Lexus LC 500h Car Insurance Calculator

Gain insights into how changing risk factors impact the insurance cost for a Lexus LC 500h. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2024 Lexus LC 500h is $3,508 per year, or about $292 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

$3,508

Cost Per Month

$292

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 LC 500h 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 Lexus LC 500h.

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.

$3,508
Average Rate
Your Rate
$3,508

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lexus LC 500h.

The 'Average Rate' is a combined value for all Lexus LC 500h 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 2024 Lexus LC 500h is $3,508.

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.

2024 Lexus LC 500h Segment Comparison

The table below compares insurance rates for the 2024 Lexus LC 500h against all other models in the midsize luxury car segment. The Lexus LC 500h 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 LC 500h, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus LC 500h.

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

2024 Lexus LC 500h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$1,098
2Lexus IS 300$2,414-$1,094
3Lexus ES 350$2,446-$1,062
4Mercedes-Benz AMG CLA35$2,456-$1,052
5Lexus RC 300$2,462-$1,046
6Jaguar XF$2,476-$1,032
7Cadillac CT5$2,526-$982
8Lexus ES 250$2,534-$974
9Lexus ES 300h$2,572-$936
10Audi A3$2,634-$874
11Infiniti Q50$2,650-$858
12Mercedes-Benz AMG CLA45$2,682-$826
13Audi S4$2,692-$816
14Mercedes-Benz EQE 350$2,724-$784
15BMW i4$2,734-$774
16Lexus IS 500$2,770-$738
17BMW 530i$2,848-$660
2024 Midsize Luxury Car Average$2,874-$634
18Audi S5$2,890-$618
19BMW 540i$2,900-$608
20BMW 430i$2,940-$568
21BMW i5$2,960-$548
22Genesis G80$2,976-$532
23Mercedes-Benz EQE 500$3,008-$500
24Mercedes-Benz AMG C43$3,024-$484
25Audi A6$3,036-$472
26Tesla Model S$3,070-$438
27BMW 530e$3,100-$408
28Audi RS 5$3,106-$402
29Audi S6$3,128-$380
30BMW M440i$3,206-$302
31Audi A7$3,268-$240
32Lexus LC 500h$3,508--
33Audi S7$3,624$116
34BMW M8$3,948$440

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.

2024 LC 500h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Lexus LC 500h.

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.

2024 Lexus LC 500h Insurance Rates by Trim Level
2024 Lexus LC 500h Trim Level Annual Premium Cost Per Month
Hybrid Coupe$3,462$289
Hybrid Coupe Sport$3,492$291
Hybrid Coupe Touring$3,508$292
Hybrid Coupe Dynamic Handling$3,576$298

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 2024 Lexus LC 500h for different driver ages.

2024 Lexus LC 500h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,875$990
17$11,605$967
18$10,604$884
19$9,617$801
20$7,450$621
21$7,124$594
22$6,431$536
23$5,259$438
24$4,996$416
25$4,076$340
30$3,762$314
35$3,602$300
40$3,508$292
45$3,266$272
50$3,086$257
55$2,876$240
60$2,882$240
65$3,060$255
70$3,256$271
75$3,758$313
80$4,578$382

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 LC 500h trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lexus LC 500h.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lexus LC 500h Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Lexus LC 500h$3,508$292
2023 Lexus LC 500h$3,414$285
2022 Lexus LC 500h$3,348$279
2021 Lexus LC 500h$3,432$286
2020 Lexus LC 500h$3,320$277
2019 Lexus LC 500h$2,974$248
2018 Lexus LC 500h$2,834$236

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 Lexus LC 500h trim levels for each model year.