Lexus ES 250 Car Insurance Rates for 2023

How much is insurance for a Lexus ES 250?

We scrutinized average insurance rates from the base AWD trim to the Ultra Luxury model to see how insurance for the ES 250 ranks against the entire midsize luxury car segment.

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  • Lexus ES 250 insurance rates average $1,914 per year or $957 for a semi-annual policy, depending on the age of the rated driver.
  • The cheapest 2023 Lexus ES 250 to insure is the base AWD at $1,840 per year, or about $153 per month.
  • Out of 38 other 2023 model year midsize luxury cars, the ES 250 ranks third for insurance cost.

How much does Lexus ES 250 insurance cost?

Expect to pay approximately $1,914 yearly to insure a Lexus ES 250 for full coverage, which is around $160 a month.

Average monthly insurance cost for the Lexus ES 250 ranges from $153 to $165, depending on the trim level being insured. The base AWD trim with a MSRP of $42,990 is the cheapest model to insure, while the more expensive Ultra Luxury model with a sticker price of $51,280 costs the most to insure.

The rate chart below demonstrates how ES 250 car insurance rates can differ with differences in driver age and $250, $500, and $1,000 deductibles. Insurance cost averages range from the lowest price of $1,440 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost in the example of $4,438 each year for a 20-year-old with low policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Lexus ES 250 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus ES 250 trim levels.Data last updated on December 30, 2022
Lexus ES 250 Car Insurance Rates
2023 Lexus ES 250 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,212$268
$500$3,808$317
$250$4,438$370
30$1,000$1,686$141
$500$2,020$168
$250$2,368$197
40$1,000$1,608$134
$500$1,914$160
$250$2,232$186
50$1,000$1,468$122
$500$1,742$145
$250$2,028$169
60$1,000$1,440$120
$500$1,710$143
$250$1,992$166

The table below breaks down all the available trim levels for the 2023 model year and the average cost to insure each one.

2023 Lexus ES 250 Insurance Cost by Trim Level
Lexus ES 250 Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,840$920$153
F Sport Design$1,914$957$160
Luxury$1,924$962$160
Ultra Luxury$1,976$988$165

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lexus ES 250, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Lexus ES 250 Insurance Cost by Trim Level

Is a Lexus ES 250 expensive to insure?

When compared side-by-side to other popular midsize luxury cars, average car insurance prices for a Lexus ES 250 are $12 more per year than the Lexus ES 350, $208 less than the BMW 530i, and $544 less than the Infiniti Q50.

The Lexus ES 250 ranks third out of 38 total comparison vehicles in the 2023 midsize luxury car category for insurance affordability. The ES 250 costs an average of $1,914 per year for full coverage car insurance and the category average car insurance cost is $2,242 annually, a difference of $328 per year.

The following chart shows how well ES 250 insurance rates compare to the most popular midsize luxury models like the Audi A6, Acura ILX, and the Mercedes-Benz CLA250. In addition to the chart, a larger table is included that ranks insurance cost for all 38 models in the segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Lexus ES 250, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Lexus ES 250 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Lexus ES 250 vs Top 10 Midsize Luxury Cars Insurance Rate Comparison
Lexus ES 250 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Cadillac CT5$1,898-$16
2Lexus ES 350$1,902-$12
3Lexus ES 250$1,914--
4Lexus RC 300$1,920$6
5Mercedes-Benz AMG CLA35$1,924$10
6Audi A3$1,928$14
7Mercedes-Benz AMG CLA45$1,968$54
8Mercedes-Benz CLA250$1,978$64
9Lexus IS 300$1,986$72
10Jaguar XF$1,988$74
11Audi S4$2,030$116
12BMW i4$2,040$126
13Mercedes-Benz E350$2,054$140
14Lexus ES 300h$2,082$168
15BMW 530i$2,122$208
16Audi A6$2,164$250
17Audi S5$2,166$252
18BMW 540i$2,170$256
19BMW 430i$2,206$292
20Lexus IS 500$2,212$298
21Mercedes-Benz E450$2,232$318
22Genesis G80$2,238$324
23Mercedes-Benz CLS450$2,296$382
24Mercedes-Benz EQE 350$2,312$398
25Audi RS 5$2,318$404
26BMW 530e$2,330$416
27Audi S6$2,354$440
28Mercedes-Benz AMG C43$2,358$444
29BMW M440i$2,362$448
30Mercedes-Benz EQE 500$2,364$450
31Audi A7$2,456$542
32Infiniti Q50$2,458$544
33Lexus LC 500h$2,640$726
34BMW M550i$2,644$730
35Tesla Model S$2,704$790
36Audi S7$2,720$806
37BMW M5$2,800$886
38BMW M8$2,954$1,040