Lexus LX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus LX is more expensive to insure than the average SUV.
• Liability only car insurance premiums for a LX average around $78 per month, while full coverage usually averages about $163 monthly.
• The cheapest insurance company for a LX is Hugo, who offers LX owners rates as little as $39 per month.

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LX Overview

Coming in with a base MSRP of $86,580 for 2021 models, the Lexus LX is a high-end car for drivers with extra room in their budgets.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've determined that average Lexus LX car insurance prices run around $182 a month. Compared to other vehicles in the market, how do LX insurance premiums stack up?

How Much is Car Insurance for a Lexus LX?

If you look at the table above, you'll find that compared to other vehicles, Lexus LX insurance prices are right about average. LX drivers can expect to pay around $78 monthly for liability insurance, and about $163 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other Lexus models, the LX is slightly less expensive, with rates around 6% lower than the rest of the manufacturer's vehicle lineup. However, LX coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance premiums coming in at $12 higher than other SUVs and liability insurance prices at $2 cheaper.

The same can be said, that the LX's auto insurance rates run about average, when comparing the Lexus LX to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Lexus LX?

If you're searching for a car insurance policy for a Lexus LX, you may want to know which carrier offers the most affordable prices. Although costs will normally be pretty different from policyholder to policyholder, Hugo has the most affordable average rates for liability only coverage, with rates sometimes as little as $39 monthly. The next lowest company is MetLife, who offers car insurance as little as just $47 a month.

Finishing off the rest of the top 5 are Amica, Mercury, and Esurance. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lexus LX.

Auto insurance companies take a whole range of different factors into consideration when calculating monthly premiums. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a variety of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Lexus LX?

As we mentioned above, there are several variables that insurance companies take a look at to choose how much they charge you for car insurance -- and each carrier weighs different variables more heavily than others, so there's not one single company that's the cheapest for every driver.

Below are just a few of the things auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

Lexus has been making the LX for quite some time, so the car's age may make a big difference in how much you'll pay for insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and LXs begin to depreciate, insurance costs will gradually go lower.

Based on the above table, the Lexus LX is an outlier, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are 6 to 7 years old, on average.

Your Age

How old you are plays a role in how much you pay for car insurance. As you can see above, younger LX drivers have higher prices than those with more experience. In this case, drivers 18 to 24 pay $34 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for LX drivers being 55-64.

Your Gender

Did you know men tend to pay more for auto insurance than women? This is because women are less likely to get tickets and get into collisions, which decreases the chances of an insurance claim. Surprisingly, when it comes to LX drivers specifically, men pay around the same rates per month as women for insurance.

Where You Live

It may seem like common sense that factors such as how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live matters just as much. Insurance is regulated on the state level and not nationally, so rates can change quite a bit depending on which state you call home.

For example, the average Lexus LX driver in New York pays about $190 monthly for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change depending on where you live.

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Lexus LX Car Insurance Discounts

Regardless of how old you are, what state you live in, or what car you drive, using as many discounts as possible when it comes to your insurance policy is always important.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments

However, discounts aren't the only way to save. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you may not be able to control every factor car insurance companies reference to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the things you can use to your advantage when it comes to saving money:

Your Driving Record

You've almost certainly heard ads from insurance carriers offering big discounts for safe drivers. It follows that if you get into a collision or get tickets, auto insurance rates will go up. But you still might be left wondering exactly how much these infractions will cost you.

Based on the table above, accidents will usually cost LX drivers less than tickets, but both will result in higher than normal rates. Lexus LX drivers with a single accident on their record pay about $94 a month (up $16 from the $78/mo. overall average), while drivers with one ticket will pay an average of $127 a month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that impacts your insurance premiums is how much you drive annually. Those who drive less often are more likely to go accident-free, so they'll generally get cheaper prices. In the table above, you can see that Lexus LX owners who drive 10,000 miles or more pay $90 for car insurance, while those who drive fewer than 2,500 miles per year pay an average of $74 per month.

But if you don't drive much because you work from home or have a second vehicle, it may be worth learning about pay-per-mile or usage-based auto insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Lexus LXs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Lexus LX is on your shortlist, it can pay off to do your homework. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the Lexus LX stacks up:

Overall, the Lexus LX is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The LX retails at $86,580, a bit higher than the national average vehicle MSRP of $46,296.

Liability insurance for a Lexus LX is, while full coverage is over $50 more a month.

When it comes to usage, Lexus LX drivers are far from the national average in annual miles driven, with 24,284 miles each year compared to 11,617 for all vehicles.

Lexus LX Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much you might pay for car insurance. If you're considering buying a new LX, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your choices.

Choose Your Model

2020 Lexus LX Car Insurance 2019 Lexus LX Car Insurance 2018 Lexus LX Car Insurance 2017 Lexus LX Car Insurance 2016 Lexus LX Car Insurance 2015 Lexus LX Car Insurance 2014 Lexus LX Car Insurance 2013 Lexus LX Car Insurance 2011 Lexus LX Car Insurance 2010 Lexus LX Car Insurance

2020 Lexus LX Car Insurance

The average cost to insure a 2020 Lexus LX with liability only coverage is $46 monthly, while full coverage runs around $178 per month.

Hugo has rates as low as just $39 a month for the 2020 Lexus LX.

What will your insurance rate be? Enter your ZIP code below to get several personalized quotes for free.

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2019 Lexus LX Car Insurance

2019 LX drivers can expect to pay an average of $176 monthly for liability or $268 for full coverage.

With prices as low as $176 per month, Liberty Mutual offered the cheapest policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2018 Lexus LX Car Insurance

On average, drivers who own a 2018 Lexus LX can expect to pay $47 to $169 a month for liability only and full coverage auto insurance, respectively.

We found Amica offered the lowest policy, with rates sometimes as cheap as $35 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2017 Lexus LX Car Insurance

It costs about $105 per month for liability or $191 for a full coverage policy for the 2017 LX.

If you're looking for the cheapest possible 2017 Lexus LX insurance policy, Esurance offered the most affordable policy we found, with rates as cheap as just $103 monthly.

Want to know just how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

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2016 Lexus LX Car Insurance

You can expect full coverage for a 2016 Lexus LX to run around $185 a month, while liability only coverage will average about $53 per month.

With premiums as cheap as $41 monthly, MetLife offered the lowest policy we found for the 2016 Lexus LX.

If you want to find the best prices for car insurance for a 2016 Lexus LX, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2015 Lexus LX Car Insurance

The average cost to insure a 2015 LX with liability only coverage is $49 a month, while full coverage runs around $148 monthly.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as low as $49 per month.

While these are good estimates of what the average driver might pay to insure a 2015 Lexus LX, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2014 Lexus LX Car Insurance

It costs about $98 a month for liability or $175 for a full coverage policy for the 2014 Lexus LX.

Elephant offered the most affordable policy we found, with rates as little as $43 per month.

Want to know exactly what your insurance premium will be? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2013 Lexus LX Car Insurance

On average, drivers who own a 2013 LX can expect to pay $98 to $186 a month for liability only and full coverage car insurance, respectively.

MetroMile has premiums as cheap as just $37 monthly for the 2013 Lexus LX.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2011 Lexus LX Car Insurance

2011 Lexus LX drivers can expect to pay an average of $117 a month for liability or $169 for full coverage.

Looking for the cheapest policy? MetLife offered liability only coverage for as low as $25 per month.

If you want to find the best prices for auto insurance for a 2011 Lexus LX, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

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2010 Lexus LX Car Insurance

You can expect full coverage for a 2010 LX to run around $170 monthly, while liability only coverage will average about $65 per month.

Shelter Mutual offered the lowest policy we found, with rates as little as just $24 a month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get multiple free customized quotes.

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Lexus LX Insurance FAQs

Is a Lexus LX expensive to insure?

The Lexus LX is more expensive to insure compared to the average SUV. Liability insurance runs an average of $78 monthly, while full coverage will cost you around $163.

How can I get the best price on car insurance for my Lexus LX?

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from quite a few companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus LX affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually a myth. Even though there are many factors insurance carriers examine when they offer you a premium, your car's color is not used to make that determination.

Do I need to have insurance before I buy a Lexus LX?

Before you can legally drive your new (or new to you) LX off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you a car insurance policy, but the best thing to do when buying a a new SUV is to let your insurance company know beforehand.

What car insurance discounts can I get for my Lexus LX?

You will find lots of different discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Lexus LX you drive, but if your LX has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you contact your insurance carrier and ask about their list of discounts, since they shift quite a bit from carrier to carrier.