Lexus Insurance Costs | Youi

Q: Does Lexus cost more to insure?

The average annual Youi insurance premium for a Lexus is ${{VEHICLE:MAKE_PREMIUM_AVERAGE}}. To provide a point of comparison, the average annual cost of insurance for Toyota vehicles (when you insure with Youi) is $1,187. So yes, generally speaking, Lexus insurance is slightly higher when compared with some other car makes we insure. Please be aware that the cost of your Lexus insurance will also depend on other factors such as your age, the model of Lexus you drive, and your location.

How much does Lexus insurance cost?

If you choose Youi as your insurer, what you’ll pay for Lexus insurance will depend on a number of variables including the specific model of Lexus and your individual circumstances. For a rough idea on what the upper and lower ranges are for Lexus Comprehensive car insurance premiums, look for your model below.

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Model

ANNUAL PREMIUM RANGE:

$854 to $1,563

Insurance costs for the Lexus CT 200h. Hybrid are about 15% lower than the average annual premium for all Lexus models insured with Youi.

ANNUAL PREMIUM RANGE:

$792 to $1,853

The average annual insurance premium for the Lexus CT 200h is around 14% lower than the average for all other Lexus models we cover.

ANNUAL PREMIUM RANGE:

$1,203 to $2,486

Compared to all other models of Lexus insured with Youi, the Lexus ES 300h’s average annual insurance premium is about 34% higher.

ANNUAL PREMIUM RANGE:

$719 to $1,952

When insured with Youi, the Lexus IS 200 has an average annual insurance premium which is around 12% lower than the other Lexus models we insure.

ANNUAL PREMIUM RANGE:

$900 to $2,294

Insurance costs for the Lexus IS 200t are about 6% higher than the average annual premium for all Lexus models insured with Youi.

ANNUAL PREMIUM RANGE:

$820 to $2,105

The average annual insurance premium for the Lexus IS 250 is around 1% lower than the average for all other Lexus models we cover.

ANNUAL PREMIUM RANGE:

$718 to $1,350

The average annual insurance premium for the Lexus IS 250c is around 28% lower than the average for all other Lexus models we cover.

ANNUAL PREMIUM RANGE:

$1,047 to $2,162

Compared to the average annual premium of all models of Lexus insured with Youi, the Lexus IS 300 insurance cost is about 15% higher.

ANNUAL PREMIUM RANGE:

$1,073 to $2,017

When insured with Youi, the Lexus IS 300h has an average annual insurance premium which is around 10% higher than the other Lexus models we insure.

ANNUAL PREMIUM RANGE:

$1,147 to $2,474

Insurance costs for the Lexus IS 350 are about 21% higher than the average annual premium for all Lexus models insured with Youi.

ANNUAL PREMIUM RANGE:

$957 to $1,736

Compared to all other models of Lexus insured with Youi, the Lexus NX 250’s average annual insurance premium is about 10% lower.

ANNUAL PREMIUM RANGE:

$924 to $1,654

When insured with Youi, the Lexus NX 300 has an average annual insurance premium which is around 12% lower than the other Lexus models we insure.

ANNUAL PREMIUM RANGE:

$1,053 to $1,830

Insurance costs for the Lexus NX 300h are about 2% lower than the average annual premium for all Lexus models insured with Youi.

ANNUAL PREMIUM RANGE:

$1,033 to $1,925

Compared to all other models of Lexus insured with Youi, the Lexus NX 350’s average annual insurance premium is about 2% lower.

ANNUAL PREMIUM RANGE:

$1,136 to $2,084

The average annual insurance premium for the Lexus NX 350h is around 10% higher than the average for all other Lexus models we cover.

ANNUAL PREMIUM RANGE:

$1,009 to $2,245

Compared to all other models of Lexus insured with Youi, the Lexus RC 350’s average annual insurance premium is about 9% higher.

ANNUAL PREMIUM RANGE:

$1,148 to $1,837

When insured with Youi, the Lexus RX 300 has an average annual insurance premium which is around 2% higher than the other Lexus models we insure.

ANNUAL PREMIUM RANGE:

$687 to $1,340

Insurance costs for the Lexus RX 330 are about 30% lower than the average annual premium for all Lexus models insured with Youi.

ANNUAL PREMIUM RANGE:

$881 to $1,819

The average annual insurance premium for the Lexus RX 350 is around 7% lower than the average for all other Lexus models we cover.

ANNUAL PREMIUM RANGE:

$1,039 to $1,896

Compared to all other models of Lexus insured with Youi, the Lexus RX 450h’s average annual insurance premium is about 2% lower.

ANNUAL PREMIUM RANGE:

$875 to $1,630

When insured with Youi, the Lexus UX 200 has an average annual insurance premium which is around 13% lower than the other Lexus models we insure.

ANNUAL PREMIUM RANGE:

$985 to $1,659

Insurance costs for the Lexus UX 250h are about 11% lower than the average annual premium for all Lexus models insured with Youi.

ANNUAL PREMIUM RANGE:

$718 to $1,350

Compared to all other models of Lexus insured with Youi, the Lexus IS 250c’s average annual insurance premium is about 28% lower.

ANNUAL PREMIUM RANGE:

$785 to $1,799

When insured with Youi, the Lexus GS 300 has an average annual insurance premium which is around 17% lower than the other Lexus models we insure.

Information about indicative premium ranges and comparisons

When we display the indicative Comprehensive premium range for a car make and model, or offer a comparison of how a model’s annual premium compares to Youi premiums for all models for that car brand, we adopt some important guidelines:

The information displayed is based on Youi internal data for Comprehensive policies sold for the make and model between 22 Nov 2025 and 22 May 2026.
To improve how useful our data is, we only calculate our average comparisons on models where Youi data is available on at least 10 sold Comprehensive policies for that model.
As you would expect, we get some higher or lower premiums based on different risk ratings, so the indicative range does not represent all Youi customers. 80% of applicable Comprehensive car premiums purchased by our customers fell within or below the indicative premium range shown.
Premiums and offers to insure are subject to rating & underwriting, and your own individual circumstances.

What’s the average cost for Lexus car insurance?

When insured with Youi, the average cost of Comprehensive cover for Lexus vehicles can vary between different models. Take a look at the list of Lexus models here to see the average annual premium for each.

How we calculate these numbers

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Lexus RX400h

$1,016

Lexus Rx330

$1,082

Lexus LX470

$1,087

Lexus GS450h

$1,090

Lexus IS250c

$1,103

Lexus LBX

$1,158

Lexus GS250

$1,264

Lexus GS300

$1,269

Lexus Ct 200h. Hybrid

$1,304

Lexus CT200h

$1,315

Lexus UX200

$1,332

Lexus IS200

$1,355

Lexus NX300

$1,358

Lexus UX250h

$1,367

Lexus NX200t

$1,371

Lexus NX250

$1,378

Lexus Rx350

$1,422

Lexus UX300h

$1,459

Lexus Rx270

$1,474

Lexus NX350

$1,498

Lexus NX300h

$1,506

Lexus RX450h

$1,507

Lexus IS250

$1,514

Lexus Average

$1,535

Lexus RX300

$1,570

Lexus IS200t

$1,630

Lexus NX450h+

$1,641

Lexus Rc350

$1,675

Lexus IS300h

$1,680

Lexus RZ450e

$1,682

Lexus NX350h

$1,683

Lexus GS350

$1,686

Lexus RX200t

$1,718

Lexus IS300

$1,760

Lexus RX500h

$1,781

Lexus RC200t

$1,812

Lexus IS350

$1,861

Lexus RX350h

$1,864

Lexus RX350L

$1,880

Lexus LS460

$1,926

Lexus ES250

$1,963

Lexus LX600

$2,024

Lexus ES300h

$2,061

Lexus IS F

$2,072

Lexus LX570

$2,140

Lexus RX450h+

$2,170

Lexus GX 550

$2,362

Lexus RC F

$2,495

Lexus RX450hL

$2,672

Choose your cover

Start a quote with us today to find out how much it will cost to insure your Lexus with Youi. Choose from a range of cover types including Comprehensive, Third Party Fire & Theft and Third Party Property Only.

Comprehensive car insurance

Includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft, plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's property.

Third Party Property Only

Comprehensive car insurance

Includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft, plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's property.

Third Party Property Only

Interesting facts about Lexus

Lexus was launched by Toyota in 1989

You might be surprised to learn that Lexus is a subsidiary of Toyota, and that the Lexus brand was first launched in 1989.¹ Since then, Lexus has established itself as a leader in the luxury car market.

Lexus launched its first hybrid car in 2006

Lexus launched the RX Hybrid in 2006, and since then the brand has continued to pioneer hybrid electric/petrol engine technology. In addition to this, hybrid sales represent almost one-third of Lexus’ sales in Australia.²

Lexus has created a hoverboard

While they might be best-known for manufacturing cars, Lexus’s design and technology skills have also extended to something more futuristic. They’ve designed and built a working hoverboard.³ It may be a little way off yet until you’re cruising around the neighbourhood on one though.

The Lexus robots are next level

How’s this for some human-tech crossover? By mapping the exact motions of the most gifted automotive painter in the world, the robots in Lexus manufacturing plants can duplicate the flawless technique on every vehicle produced.³

You might be surprised to learn that Lexus is a subsidiary of Toyota, and that the Lexus brand was first launched in 1989.¹ Since then, Lexus has established itself as a leader in the luxury car market.

Lexus launched the RX Hybrid in 2006, and since then the brand has continued to pioneer hybrid electric/petrol engine technology. In addition to this, hybrid sales represent almost one-third of Lexus’ sales in Australia.²

While they might be best-known for manufacturing cars, Lexus’s design and technology skills have also extended to something more futuristic. They’ve designed and built a working hoverboard.³ It may be a little way off yet until you’re cruising around the neighbourhood on one though.

How’s this for some human-tech crossover? By mapping the exact motions of the most gifted automotive painter in the world, the robots in Lexus manufacturing plants can duplicate the flawless technique on every vehicle produced.³

What might impact my Lexus insurance costs?

Your Lexus insurance costs will be affected by a number of factors including your driving history, age and location. To get the most detailed information about keeping your Lexus insured, start a quote with Youi today.

Your age

Your age will be taken into consideration when we calculate the insurance premiums for your Lexus. In addition to your age, your driving history will also be considered.

The place where your Lexus is located

Your home address is a factor that may impact your insurance premiums. Some geographic locations are more susceptible to severe weather events, and certain suburbs have higher rates of crime. We will also calculate your insurance costs based on whether your Lexus is kept in a locked garage, outside on your property or on the street.

The model of your Lexus

Insurance costs are based on how expensive it would be to replace or repair your Lexus (depending on your coverage level). Therefore, we need to know the vehicle’s model and year of manufacture when providing a quote.

Level of coverage

At Youi, we offer a range of insurance options for Lexus vehicles, including Third Party Property Only, Third Party Fire & Theft and Comprehensive cover. The level of cover you choose will also have an impact on your insurance premium.

Your age

Your age will be taken into consideration when we calculate the insurance premiums for your Lexus. In addition to your age, your driving history will also be considered.

The place where your Lexus is located

Your home address is a factor that may impact your insurance premiums. Some geographic locations are more susceptible to severe weather events, and certain suburbs have higher rates of crime. We will also calculate your insurance costs based on whether your Lexus is kept in a locked garage, outside on your property or on the street.

The model of your Lexus

Insurance costs are based on how expensive it would be to replace or repair your Lexus (depending on your coverage level). Therefore, we need to know the vehicle’s model and year of manufacture when providing a quote.

Level of coverage

At Youi, we offer a range of insurance options for Lexus vehicles, including Third Party Property Only, Third Party Fire & Theft and Comprehensive cover. The level of cover you choose will also have an impact on your insurance premium.

FAQs

Answers to some of the most commonly-asked questions about Lexus insurance at Youi can be found here.

CAR INSURANCE TERMINOLOGY

The average annual Youi insurance premium for a Lexus is $1,535. To provide a point of comparison, the average annual cost of insurance for Toyota vehicles (when you insure with Youi) is $1,187. So yes, generally speaking, Lexus insurance is slightly higher when compared with some other car makes we insure. Please be aware that the cost of your Lexus insurance will also depend on other factors such as your age, the model of Lexus you drive, and your location.

How we calculate these numbers

The level of car insurance you choose for your Lexus is completely up to you. At Youi, we offer three options for car insurance including Third Party Property Only, Third Party Fire & Theft and Comprehensive. The most suitable type of cover for your situation will depend on a number of variables. Start a quote for more detailed information about getting insurance for your Lexus.

For Youi customers, the average annual insurance premium across all Lexus models – including the range of RX and NX models – is $1,535. To get a precise figure for your particular Lexus, start a quote with us today.

How we calculate these numbers

CAR INSURANCE TERMINOLOGY

Guides

These articles will provide additional information on motor vehicle insurance and help answer some frequently-asked questions.

What Is Comprehensive Car Insurance?

When you’re researching or buying car insurance, understanding exactly what each level of coverage includes can be helpful in leading you to a more suitable fit.

Chelsea Spresser, August 26, 2025

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