Lexus Insurance
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Types of car insurance for a Lexus
There are three primary types of Lexus car insurance. While the most basic provides the least coverage, you may be surprised that it isn’t necessarily the cheapest option. That’s why we always recommend reviewing all your coverage options before deciding on the right cover for your needs.
Comprehensive Cover for an Lexus
Comprehensive Lexus insurance gives you the highest level of cover. It protects you from third-party liability claims, fire and theft, and any damage to your own vehicle.
Third party only Lexus insurance
Third-party-only offers the most basic level of Lexus motor insurance. It protects you from third-party liability claims only. It will not provide coverage for fire, theft or damage to your own vehicle.
Third party, theft and fire insurance
Third-party fire and theft insurance for a Lexus is similar to third-party-only insurance in that it protects you from third-party liability claims. However, it also covers damage or loss of your own vehicle from fire or theft.
Lexus drive home insurance
Lexus drive home insurance can protect you on the journey home after you first purchase your Lexus. It is a useful form of temporary Lexus car insurance that protects you while you get a longer-term car policy in place.
We search over 120 car insurance providers to save you hassle and money
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We search over 120 car insurance providers to save you hassle and money
Additional coverage available for a Lexus
How can I get the cheapest Lexus insurance quotes?
We believe one of the best ways to secure the cheapest Lexus insurance is to shop around and compare quotes. Our platform enables you to compare Lexus insurance quotes from over 110 UK insurers, increasing your chances of finding the cheapest deal. On top of comparing quotes, there are other steps you can take to help reduce premiums.
Give an accurate annual mileage
Your annual mileage can impact your Lexus insurance premium costs. The more you are on the road the greater the likelihood there is of you making a claim. Only taking out insurance for the mileage you need can reduce your premium.
Improve the security of your Lexus
If you can reduce the risk of theft, insurers are likely to reward you with lower premiums. By lowering insurer risk, you can typically reduce the cost of your Lexus insurance in the UK.
Avoid making modifications
Modifications such as performance enhancements can increase the value of the vehicle and the risk of accidents. Avoiding modifications can help ensure you do not pay extra for your Lexus insurance in the UK.
Pay your premium annually if possible
Insurers generally offer discounts when you pay your premium as an annual lump sum rather than paying monthly. If you want to keep your insurance expenses down, paying annually could help to reduce your total insurance cost.
Increase the voluntary excess on your policy
The excess amount is the amount you pay on a claim before insurers pay the difference. The greater the excess you select, the greater the discount you could potentially achieve. It is important to be sure you can afford the excess amount selected should you need to make a claim.
Choose the appropriate coverage
Different levels of coverage come with varying premiums. It is important to strike the right balance between coverage and premium. If you drive a less valuable car, it may make better financial sense to take out a less expensive level of coverage. It is worth using a comparison site like ours to compare the differences in costs between different levels of coverage.
Shop around and compare Lexus insurance quotes
We believe that the more choices you have the greater your chances of securing a good deal will be. Shopping around and comparing quotes is one of the simplest ways to increase your odds of securing a competitive premium.
How much does it cost to insure a Lexus in the UK?
It depends. There are many factors that insurers consider when providing a personalised premium. They take into account details about the vehicle itself, insurance options selected and your personal details. These factors include:
- Vehicle considerations – make, model, value, age and mileage
- Insurance options selected – excess, mileage and any add-ons required
- Driver details – your age, claims and driving history
Lexus insurance groups
Insurance groups play an important role when insurers determine premiums. Insurance groups range from group 1 up to group 50. Cars in the lower insurance groups are typically less expensive, less luxurious and less powerful. Cars in the higher groups can be more expensive to insure and are typically more valuable, more powerful and more luxurious.
Lexus RC insurance group
The Lexus RC, the “radical coupe” is a high-performance vehicle that tends to fall within the insurance groups 45-50 depending on the particular model.
Lexus RX insurance group
The Lexus RX is a luxurious high-performance SUV which typically falls into insurance groups 42-46 depending on the model.
Lexus UX insurance group
The Lexus UX falls into the smaller SUV category. The UX utilises an efficient hybrid engine as well as a fully electric alternative. The UX does have a 4×4 option but this does not mean it is necessarily suited for serious off-roading. It sits in the fairly affordable insurance group ranges of 22-32 depending on the model.
Lexus insurance FAQs
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*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.