2022 Lexus IS 500 Car Insurance Calculator

Learn in real-time how changes to driver risk factors and vehicle options impact the cost of car insurance for a 2022 Lexus IS 500. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback why rates change and by how much.

The average estimated car insurance premium for a 2022 Lexus IS 500 is $2,846 per year, or about $237 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,846

Cost Per Month

$237

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus IS 500 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Lexus IS 500.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,846
Average Rate
Your Rate
$2,846

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Lexus IS 500 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Lexus IS 500 is $2,846.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Lexus IS 500 Segment Comparison

The table below compares insurance rates for the 2022 Lexus IS 500 against all other models in the midsize luxury car segment. The Lexus IS 500 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus IS 500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus IS 500.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Lexus IS 500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$878
2Lexus RC 300$2,370-$476
3Mercedes-Benz AMG CLA35$2,424-$422
4BMW i4$2,438-$408
5Cadillac CT5$2,446-$400
6Audi A3$2,472-$374
7Mercedes-Benz AMG CLA45$2,482-$364
8Mercedes-Benz CLA250$2,494-$352
9Lexus ES 250$2,504-$342
10Lexus IS 300$2,510-$336
11Lexus ES 350$2,518-$328
12Audi S5$2,596-$250
13Audi S4$2,612-$234
14BMW 530i$2,650-$196
15Lexus ES 300h$2,660-$186
16Genesis G80$2,674-$172
17Mercedes-Benz E350$2,676-$170
18BMW 530e$2,702-$144
19BMW 540i$2,708-$138
20BMW M440i$2,720-$126
21Mercedes-Benz E450$2,732-$114
22Audi A6$2,804-$42
23Jaguar XF$2,812-$34
2022 Midsize Luxury Car Average$2,819-$27
24Lexus IS 500$2,846--
25BMW 430i$2,876$30
26Mercedes-Benz CLS450$2,896$50
27Infiniti Q50$3,008$162
28Audi RS 5$3,040$194
29Mercedes-Benz AMG C43$3,060$214
30Audi S6$3,082$236
31Mercedes-Benz AMG C63$3,156$310
32Audi A7$3,252$406
33BMW M550i$3,282$436
34Lexus LC 500h$3,348$502
35Tesla Model S$3,408$562
36Audi S7$3,526$680
37BMW M8$3,656$810
38BMW M5$3,696$850

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 IS 500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Lexus IS 500.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Lexus IS 500 Insurance Rates by Trim Level
2022 Lexus IS 500 Trim Level Annual Premium Cost Per Month
F Sport Performance$2,742$229
F Sport Performance Premium$2,838$237
F Sport Performance Launch Edition$2,956$246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Lexus IS 500 for different driver ages.

2022 Lexus IS 500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,121$843
17$9,858$822
18$8,926$744
19$8,082$674
20$6,204$517
21$5,916$493
22$5,308$442
23$4,309$359
24$4,087$341
25$3,314$276
30$3,044$254
35$2,920$243
40$2,846$237
45$2,652$221
50$2,506$209
55$2,340$195
60$2,348$196
65$2,510$209
70$2,700$225
75$3,162$264
80$3,904$325

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus IS 500 trim levels.