2018 Lexus LS 500 Car Insurance Calculator

Get real-time feedback how different driver and vehicle factors impact car insurance rates for a 2018 Lexus LS 500. Customize homeowner status, credit history, policy coverages, and liability limits to learn how each affects rates. Find out instantly if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2018 Lexus LS 500 is $2,318 per year, or about $193 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

$2,318

Cost Per Month

$193

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 LS 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 2018 Lexus LS 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.

$2,318
Average Rate
Your Rate
$2,318

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 2018 Lexus LS 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 2018 Lexus LS 500 is $2,318.

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.

2018 Lexus LS 500 vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2018 Lexus LS 500 against all other models in the large luxury car segment. The Lexus LS 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 LS 500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus LS 500.

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

2018 Lexus LS 500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,946-$372
2Cadillac CTS$2,010-$308
3Audi A5$2,090-$228
4Cadillac XTS$2,130-$188
5Cadillac CT6$2,156-$162
6Volvo S90$2,234-$84
7Lexus LS 500$2,318--
8Infiniti Q70$2,324$6
9Acura RLX$2,364$46
10Lexus LS 500H$2,408$90
11Mercedes-Benz CLS550$2,464$146
12Lexus GS 450$2,488$170
13Infiniti Q60$2,536$218
14Mercedes-Benz C63 AMG$2,582$264
15Cadillac CTS-V$2,654$336
16Mercedes-Benz S450$2,680$362
17Jaguar XJ$2,692$374
18Genesis G90$2,700$382
2018 Large Luxury Car Average$2,783$465
19BMW 740e$2,804$486
20BMW 740i$2,824$506
21Mercedes-Benz S560$2,832$514
22BMW 650i$2,838$520
23Audi RS 7$2,940$622
24Mercedes-Benz E63 AMG$3,020$702
25Mercedes-Benz CLS63 AMG$3,046$728
26BMW 750i$3,054$736
27Maserati Ghibli$3,058$740
28Porsche Panamera$3,118$800
29Audi A8$3,148$830
30BMW Alpina B6$3,234$916
31Maserati Quattroporte$3,246$928
32Audi S8$3,346$1,028
33Mercedes-Benz AMG$3,372$1,054
34Mercedes-Benz AMG S63$3,438$1,120
35BMW M760i$3,668$1,350
36Mercedes-Benz S65 AMG$4,432$2,114

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.

2018 LS 500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Lexus LS 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.

2018 Lexus LS 500 Insurance Rates by Trim Level
2018 Lexus LS 500 Trim Level Annual Premium Cost Per Month
Sedan$2,224$185
F-Sport AWD$2,336$195
AWD$2,358$197
F-Sport Sedan$2,358$197

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 2018 Lexus LS 500 for different driver ages.

2018 Lexus LS 500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,210$684
17$7,984$665
18$7,208$601
19$6,541$545
20$5,022$419
21$4,790$399
22$4,298$358
23$3,508$292
24$3,325$277
25$2,696$225
30$2,480$207
35$2,382$199
40$2,318$193
45$2,166$181
50$2,050$171
55$1,914$160
60$1,918$160
65$2,046$171
70$2,200$183
75$2,576$215
80$3,176$265

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 LS 500 trim levels.