2023 Lexus LS 500h Car Insurance Calculator

Learn how seemingly small changes impact car insurance rates for a 2023 Lexus LS 500h. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2023 Lexus LS 500h is $3,162 per year, or about $264 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

$3,162

Cost Per Month

$264

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 2023 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.

$3,162
Average Rate
Your Rate
$3,162

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 2023 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 2023 Lexus LS 500h is $3,162.

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.

2023 Lexus LS 500h Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lexus LS 500h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,558-$604
2Volvo S90$2,884-$278
3Lexus LS 500$2,978-$184
4Mercedes-Benz AMG E53$2,996-$166
5Genesis G90$3,016-$146
6BMW i7$3,034-$128
7Mercedes-Benz AMG GT43$3,062-$100
8Lexus LS 500h$3,162--
9BMW 840i$3,252$90
10Mercedes-Benz EQS 450$3,326$164
11Infiniti Q60$3,334$172
12Mercedes-Benz S500$3,360$198
13Audi RS 7$3,434$272
14Mercedes-Benz EQS 580$3,448$286
2023 Large Luxury Car Average$3,525$363
15BMW 740i$3,618$456
16BMW M850i$3,666$504
17Mercedes-Benz AMG EQS$3,694$532
18Audi A8$3,738$576
19Audi S8$3,756$594
20Porsche Panamera$3,818$656
21BMW 760i$3,854$692
22Mercedes-Benz S580$3,940$778
23BMW Alpina B8$4,188$1,026
24BMW M760i$4,322$1,160
25Mercedes-Benz Maybach S580$4,454$1,292
26Mercedes-Benz Maybach S680$4,752$1,590

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.

2023 LS 500h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Lexus LS 500h Insurance Rates by Trim Level
2023 Lexus LS 500h Trim Level Annual Premium Cost Per Month
Hybrid AWD$3,162$264

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 2023 Lexus LS 500h for different driver ages.

2023 Lexus LS 500h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,037$920
17$10,771$898
18$9,798$817
19$8,870$739
20$6,834$570
21$6,525$544
22$5,867$489
23$4,771$398
24$4,532$378
25$3,682$307
30$3,388$282
35$3,246$271
40$3,162$264
45$2,944$245
50$2,782$232
55$2,598$217
60$2,606$217
65$2,778$232
70$2,974$248
75$3,460$288
80$4,254$355

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.