About $1,639 a year for full coverage on a national average — 14% more than the $1,438 average car. Insurers rate the Lexus TX at an index of 114 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly across the Lexus TX: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 156, while Property damage sits at 50. Those 106 points are the real reason behind the price, and they are the part a quote form never shows you. Among 80 luxury suvs we hold data for, the TX ranks #46 from cheapest, above the class median of 109. Against what the car is worth the bill looks different again: a 2026 TX sells for a median $66,990, so a year of cover costs 2.4% of the car's value. Worth noting: this car earns 5 stars from NHTSA and still insures above average — crash protection and repair cost are separate things, and insurers price the second one. Calculated from 3 insurance-loss records and live US listing prices.
Why a TX costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,639: Liability (BI + PD) $787 · Collision $459 · Comprehensive $197 · Other (UM / PIP) $197.
The TX against its class
Every luxury suvs we hold insurance data for, cheapest to insure first. The TX is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury SUVs), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 109, roughly $1,560 a year.
What a TX costs by state
Where you park matters as much as what you drive. The TX's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | TX est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Lexus TX's loss index of 114 — your own quote also depends on age, record, deductible and ZIP.
Lexus TX insurance — frequently asked
How much is insurance for a Lexus TX?
About $1,639 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 114 applied to the US average premium.
Why is the TX expensive or cheap to insure?
For the Lexus TX the costliest area is Comprehensive at an index of 156, covering theft, weather, vandalism, animals — against 50 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Lexus TX lands at 114, not at what it costs new.
Is the TX cheaper to insure than rivals?
It ranks #46 of 80 in the luxury suvs class, where the median index is 109 against this car's 114. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 2.4% of what a 2026 TX sells for — $1,639 against a median price of $66,990. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 2.4% the TX sits on the cheap side of it.
Does its safety rating lower the premium?
Not directly. The TX holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same TX can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.