Lexus IS 500 Insurance: 2025 Rates, Insights, Comparisons

• Lexus IS 500 insurance costs an average of $2,836 per year for a full coverage policy, but can vary significantly based on driver age.
• The cheapest IS 500 to insure is the F Sport Performance trim level at $2,820 per year. The most expensive is the F Sport Performance Premium at $2,854 annually.
• The IS 500 ranks 16^th out of 34 vehicles in the 2024 midsize luxury car class for car insurance affordability.

How much does Lexus IS 500 insurance cost?

Lexus IS 500 insurance rates average $2,836 a year for full coverage, or $236 monthly. With the average midsize luxury car costing $2,944 a year to insure, the Lexus IS 500 averages $108 less per year.

With MSRP on the IS 500 ranging from $60,020 to $64,520 for the 2024 model year, the monthly cost of car insurance ranges from $235 to $238.

The next chart illustrates how IS 500 insurance rates vary with differences in driver age and policy deductibles. Rates in the example start at $1,910 per year for a 60-year-old with $1,000 physical damage deductibles and go as high as $6,804 annually for a 20-year-old with lower $250 physical damage deductibles.

As mentioned above, average monthly car insurance cost on the IS 500 ranges from $235 to $238, depending on the trim level being insured. The table below shows average annual and monthly rates for all the packages available for the 2024 Lexus IS 500.

Lexus IS 500 car insurance rates vs. the competition

When compared directly to other popular midsize luxury cars, auto insurance rates for a Lexus IS 500 cost $330 more per year than the Lexus ES 350, $80 less than the BMW 530i, and $120 more than the Infiniti Q50.

The Lexus IS 500 ranks 16^th out of 34 comparison vehicles in the 2024 midsize luxury car segment for most affordable car insurance rates.

The chart displayed below shows how IS 500 insurance rates compare to the top 10 selling midsize luxury cars in America like the Audi A6, Acura ILX, and the Mercedes-Benz CLA250. A full ranking table is also included following the chart that shows average insurance rates for all midsize luxury competitors, with the IS 500 highlighted at 16^th.