2022 Lexus LS 500h Car Insurance Calculator

Gain insights into how changing risk factors affect the cost of insurance for a 2022 Lexus LS 500h. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2022 Lexus LS 500h is $3,074 per year, or about $256 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

$3,074

Cost Per Month

$256

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 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 2022 Lexus LS 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.

$3,074
Average Rate
Your Rate
$3,074

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 LS 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 2022 Lexus LS 500h is $3,074.

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 LS 500h Segment Comparison

The table below compares insurance rates for the 2022 Lexus LS 500h against all other models in the large luxury car segment. The Lexus LS 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 LS 500h, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus LS 500h.

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

2022 Lexus LS 500h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,510-$564
2Volvo S90$2,768-$306
3Lexus LS 500$2,874-$200
4Mercedes-Benz AMG E53$2,922-$152
5Genesis G90$2,928-$146
6Mercedes-Benz AMG GT43$2,986-$88
7Lexus LS 500h$3,074--
8BMW 840i$3,094$20
9BMW 745e$3,150$76
10Mercedes-Benz EQS 450$3,226$152
11Infiniti Q60$3,236$162
12Mercedes-Benz S500$3,276$202
13Audi RS 7$3,282$208
14Mercedes-Benz EQS 580$3,306$232
2022 Large Luxury Car Average$3,380$306
15BMW M850i$3,526$452
16Mercedes-Benz S580$3,532$458
17BMW 740i$3,560$486
18Audi S8$3,612$538
19BMW 750i$3,650$576
20Audi A8$3,658$584
21Porsche Panamera$3,728$654
22Mercedes-Benz S560$3,888$814
23BMW Alpina B8$4,080$1,006
24BMW M760i$4,212$1,138
25Mercedes-Benz Maybach S580$4,424$1,350

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 LS 500h Insurance Rates by Trim Level

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

2022 Lexus LS 500h Insurance Rates by Trim Level
2022 Lexus LS 500h Trim Level Annual Premium Cost Per Month
Hybrid Sedan$3,066$256
Hybrid AWD Sedan$3,086$257

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 LS 500h for different driver ages.

2022 Lexus LS 500h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,767$897
17$10,503$875
18$9,548$796
19$8,643$720
20$6,655$555
21$6,350$529
22$5,710$476
23$4,642$387
24$4,406$367
25$3,580$298
30$3,292$274
35$3,154$263
40$3,074$256
45$2,864$239
50$2,706$226
55$2,526$211
60$2,534$211
65$2,704$225
70$2,896$241
75$3,374$281
80$4,150$346

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 500h trim levels.