Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Car insurance for a Lexus may cost more than a four-door sedan
  • You should research car insurance companies before making a decision
  • Comparing at least three different companies is the best way to find low-cost insurance rates

Lexus automobiles are luxury cars that are pleasurable to drive and a source of pride and joy for their owners. As with any other luxury vehicle; repairs to a Lexus can be costly after an accident.

Protect your investment by choosing the best car insurance available!

Not all insurance companies are created equal. Some will pay claims promptly and with great customer service while others will look for any reason to avoid paying claims.

When searching for Lexus car insurance, it starts by choosing a solid company with a reputation for reliability and customer service.

Compare car insurance companies for FREE by entering your zip code above!

Find the Best Lexus Car Insurance

Remember that cheaper car insurance is not always better, and in the world of luxury auto insurance, it’s usually much worse.

You’ve paid a handsome price for the vehicle, don’t put it at risk by choosing cut-rate insurance

Any insurance provider you choose should be licensed in the state you live in. The more states the company is licensed in, the more solid it is.

Check reviews online to see what other people say about the insurance provider. Talk to friends and family to see if they are familiar with the company.

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Give Customer Service a Test Drive

Of course, the customer service on the buying end will be the best the insurance provider can offer. So if this service is shoddy, avoid the insurance provier.

Before calling, write down some questions to ask.

As you go through the call, take note of the following:

  • Is the agent friendly and respectful?
  • Does the agent make you feel like you’re important?
  • How knowledgeable is the agent? Were your questions answered promptly?
  • When talking about claims processes does the agent become defensive or surly?
  • Does the agent help you locate all the discounts you are available for or do they brush this step too quickly?

Check Out the Ratings

Just as there are ratings available for cars, there are also ratings available for insurance companies. Research car insurance ratings to insure you have the best insurance provider!

Here are some of the companies that offer ratings, visit their websites for more information:

When reviewing the ratings from these companies, you will learn about more than just how long the insurance provider has been in business.

You also discover other valuable information, which includes:

  • Overall cost
  • Coverage options for insurance
  • Financial strength, which helps indicate their likelihood to be able to cover claims
  • Claims process
  • Customer service information
  • Ease of contacting the insurance provider
  • Additional features that are offered

When choosing an insurance provider, look for one that has been in business for decades, not years. Choose one that regularly covers luxury automobiles and that has solid numbers with the insurance reviewer’s mentioned above.

Compare Lexus Car Insurance the Right Way

When you call a car insurance company they will typically give you a quote for an annual or semi-annual insurance policy. It’s important to find out what coverage levels are included in that quote.

Many insurance companies offer you a better price that is paired with inferior service. To be sure you are making accurate comparisons write down the coverage levels you want.

When you call with your vehicle information, also share with them the coverage levels you are looking for.

  • Personal Injury per Accident/Person – This is the amount of money that will be paid to other parties injured in an accident that you cause. Medical bills can quickly get out of hand, so don’t try to save money in this area. Minimum levels here should be $100,000 per person with a per accident total of $300,000.
  • Property Damage – This also pays out per accident. Keep in mind that modern cars are expensive and carry a minimum of $100,000.
  • Uninsured Motorists – The last thing you want is to be hit by someone that’s not insured and then have your company say they won’t cover you, either. Ask for at least $100,000 in uninsured motorist coverage.
  • Underinsured Motorists – Too many people choose to carry state minimum levels, which won’t cover damages to your fine Lexus in an accident. Ask for at least $100,000 in coverage here.
  • Deductibles – If you are trying to save some money on the insurance premium, choose a higher deductible.

Choose your levels before calling for quotes, and tell the insurance company what you are looking for. This will allow you to better gauge who is offering you the best price.


Other questions to ask your insurance provider are:

  • Do you provide gap insurance?
  • What is your turn-around time for claims?
  • Do you offer complimentary roadside assistance?
  • Do you offer new car replacement programs?
  • Do you regularly cover luxury autos?
  • Are other people covered to drive my car if they have my permission?
  • Will the insurance cover me if I drive someone else’s car?
  • What are the contract limitations? Can I cancel coverage anytime?

It’s also advisable to explore the various car insurance discounts that are available.

Ask about the following discounts:

  • Discounts for having auto, home or life insurance with the same company
  • Multi-car discounts
  • Safe driver discount
  • Good student discounts for teens
  • Safety features can get a discount
  • Car alarms can earn discounts
  • Low mileage discounts for cars that aren’t driven as frequently
  • Discounts based on your employer
  • Defensive driving course discounts
  • Senior driving class discounts for senior citizens
  • Daytime running lights discounts
  • Long-time customer discounts
  • Military discounts

When choosing insurance for your Lexus, don’t decide to save money by choosing lower limits. Protect your other investments from lawsuits by choosing higher limits and coverage against underinsured and uninsured motorists.

Ask about discounts and take advantage of any savings they offer. With some shopping around and careful thought, you can enjoy a high-quality auto insurance policy that will help you protect your investment.

Start by comparing Lexus car insurance with our comparison tool! Enter your zip code below and compare car insurance for FREE!


  1. https://www.jdpower.com/
  2. https://www.ambest.com/
  3. https://www.standardandpoors.com/home/en/us
  4. https://www.geico.com/claims/after-an-accident/
  5. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  6. https://www.progressive.com/auto/insurance-coverages/
  7. https://www.statefarm.com/insurance/life
  8. https://www.geico.com/save/discounts/student-discounts/
  9. https://www.21st.com/car-insurance-by-state.htm
  10. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true