Compare Lexus Car Insurance Rates [2023]

If you’re interested in purchasing and insuring a 2013 Lexus RX Hybrid, this article is a good place to start. Overall, Lexus models receive excellent reviews from reviewers and consumer websites for reliability and style for all their models.

A hybrid appealed somewhat because city driving and emissions are bound to be a matter of concern as countries become more aware of the effect of greenhouse gases. A hybrid may be the most reasonable option as Americans face new regulations.

A Lexus is a well-put-together vehicle but no one should assume it has the acceleration of a sports car or even a high-end SUV. Handling is somewhat stiff which probably will not be a factor for the average driver. On the other hand, the interiors and finish of the Lexus are well done, comfortable, and give the feeling of luxury.

Be sure to check out insurance rates for driving a Lexus by using the FREE comparison tool located above! Simply enter your ZIP code to get started.

Current Offerings from Lexus

For 2014, Lexus offers the following sedans:

• IS sedan MSRP $35,950
• ES sedan MSRP $36,470
• GS sedan MSRP $47,700
• LS sedan MSRP $72,140
• IS C convertible MSRP $42,710 Specialty vehicle

The following SUVs are also offered:

• RX SUV MSRP $39,760
• GX SUV MSRP $49,085
• LX SUV MSRP $81,780
• F/F Sport ISF MSRP $63,350 Specialty vehicle

And the following hybrids:

• CT Hybrid MSRP $32,050
• RX Hybrid MSRP $45,410
• ES Hybrid MSRP $39,350
• GS Hybrid MSRP $59,600
• LS Hybrid MSRP $120,000

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A Brief History of Lexus

Lexus represents one of the luxury divisions of Toyota Motor Corporation. It was introduced to the United States in 1989 even though the brand began in Japan in 1983.

The vehicles have been produced in Japan since the inception of the brand, except in 1983 when a manufacturing plant was established in Ontario, Canada.

To date, that has been the only manufacturing facility Lexus has sponsored outside Japan.

The brand has been popular in the United States since its introduction. It continues in popularity even now. The 2013 RX Hybrid is particularly popular with reviewers.

Insuring Your New Lexus

The idea behind insurance is that, by paying premiums, the insurance company agrees to pay losses up to the limit of the policy if you have an accident that requires you to pay money to another person.

Every state requires individuals to purchase liability insurance if they drive a vehicle. This is considered to be for the public good because individuals usually do not have enough money to pay for the medical bills and property damage to others in the event of a car accident.

Insurance regulatory bodies for each state ordinarily list the basic requirements for automobile liability insurance on the state website. You can determine these requirements by accessing the websites or by asking an insurance agent.

Getting an Insurance Quotation

You will need the following information to obtain an insurance quote for yourself:

• Name, Date of Birth, Drivers License Numbers, and Address for all drivers of your cars
• Make, Model, and Year for each vehicle you own. Later on, you’ll need the Vehicle Identification Number for each vehicle.
• Driving records for each of the drivers of your cars including the age at which each person received their drivers’ licenses
• How long you’ve lived at your current address
• Your general credit rating assessment — fair, good, very good
• Occupation and level of education for each individual driving your vehicles
• If you have a teen driver, include their grade point average for a possible good student discount. Driver’s education courses are helpful.

Access a computer and enter “insurance quotes” into the search engine, then click on an insurance company that advertises “free quotes.” Use the information you’ve gathered to receive the most accurate car insurance quotes possible. Shopping around will allow you to find the company that’s perfect for you.

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Suggested Limits of Liability

The following are suggested limits of liability to request for your quote. These limits will meet or exceed the limits required by most states:

• Bodily Injury Liability –­ Your legal liability for injury to others if you are involved in an accident, which you caused. $100,000 per person/$300,000 per accident
• Property Damage Liability – Your legal liability for damage to property of others if you are involved in an accident, which you caused. $50,000 per accident property damage liability
• Medical Payments Coverage – Payment for medical issues caused in an accident whether you are responsible or not – $5,000 per accident for you or your passengers
• Uninsured or Underinsured Motorists Coverage – Payment for bodily injury in the event that you have an accident with an individual who has no insurance — $100,000 per accident/$300,000 per person Bodily Injury

Coverage for Damage to Your Own Vehicle(s) (Usually required by the entity that lent the money to help you pay for your car)

• Comprehensive Coverage – Payment to you for the following damage to your own car: weather damage, animal damage, vandalism, theft, and glass damage with a deductible. Suggested deductible $500.
• Collision Coverage – Payment to you for damage to your own car from a collision. A deductible is usually applied. Suggested deductible $500.

Make certain that these limits are entered into the application you complete, asking for your quote.

The Bottom Line

Since premiums vary according to personal circumstance as well as the way the automobile is driven, each family’s premium may vary.

To obtain an insurance quote for a 2014 Lexus RX 350 4-door, 2 Wheel Drive, the hypothetical insured was a widow, 56 years old, who drives 20 miles one way to work, and owns a condominium in Denver, Colorado.

Insurance Company #1 – $933.20 every six months

Insurance Company #2 – $625.64 every six months

Remember, insurance company rates vary according to the experience that the insurance companies have had with this particular vehicle and the circumstances of this individual.

If you require an exact quote, be sure to follow the steps listed for your own family and circumstances. You will very likely be requested to give your Social Security Number as well as drivers license numbers so the insurance company can verify credit records and driving records.

Enter your ZIP code below to start comparing auto insurance rates instantly!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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