Lexus IS 500 Insurance Cost [Rates + Rankings]

How much are Lexus IS 500 car insurance rates? We break down auto insurance rates for the F Sport Performance trim levels to see how cost ranks and compares.

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  • Lexus IS 500 insurance costs an average of $2,028 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 $1,954 per year. The most expensive is the F Sport Performance Launch Edition at $2,106 annually.
  • The IS 500 ranks #24 out of 38 vehicles in the 2022 midsize luxury car class for car insurance affordability.

How much does Lexus IS 500 insurance cost?

Lexus IS 500 insurance rates average $2,028 a year for full coverage, or $169 monthly. With the average midsize luxury car costing $2,018 a year to insure, the Lexus IS 500 averages $10 more per year.

With MSRP on the IS 500 ranging from $56,500 to $67,400 for the 2022 model year, the monthly cost of car insurance ranges from $163 to $176.

The next chart illustrates how IS 500 insurance rates vary with differences in driver age and policy deductibles. Rates in the example start at $1,510 per year for a 60-year-old with $1,000 physical damage deductibles and go as high as $4,778 annually for a 20-year-old with lower $250 physical damage deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Lexus IS 500 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus IS 500 trim levels.Data last updated on August 23, 2022
Lexus IS 500 Car Insurance Rates
Lexus IS 500 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,382$282
$500$4,060$338
$250$4,778$398
30$1,000$1,780$148
$500$2,154$180
$250$2,546$212
40$1,000$1,684$140
$500$2,028$169
$250$2,388$199
50$1,000$1,536$128
$500$1,846$154
$250$2,170$181
60$1,000$1,510$126
$500$1,814$151
$250$2,134$178

As mentioned above, average monthly car insurance cost on the IS 500 ranges from $163 to $176, depending on the trim level being insured. The table below shows average annual and monthly rates for all the packages available for the 2022 Lexus IS 500.

2022 Lexus IS 500 Insurance Cost by Trim Level
Lexus IS 500 Trim Level Annual Policy 6-month Policy Per Month
F Sport Performance$1,954$977$163
F Sport Performance Premium$2,024$1,012$169
F Sport Performance Launch Edition$2,106$1,053$176

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lexus IS 500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 23, 2022
Lexus IS 500 Insurance Cost by Trim Level

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 $234 more per year than the Lexus ES 350, $138 more than the BMW 530i, and $196 less than the Infiniti Q50.

The Lexus IS 500 ranks #24 out of 38 comparison vehicles in the 2022 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 #24.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus IS 500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Lexus IS 500 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 23, 2022
Lexus IS 500 vs Top 10 Midsize Luxury Cars Insurance Cost Comparison
Lexus IS 500 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura ILX$1,404-$624
2Lexus RC 300$1,690-$338
3Mercedes-Benz AMG CLA35$1,732-$296
4BMW i4$1,740-$288
5Cadillac CT5$1,744-$284
6Audi A3$1,762-$266
7Mercedes-Benz AMG CLA45$1,770-$258
8Mercedes-Benz CLA250$1,782-$246
9Lexus ES 250$1,784-$244
10Lexus IS 300$1,786-$242
11Lexus ES 350$1,794-$234
12Genesis G80$1,832-$196
13Audi S5$1,854-$174
14BMW 530i$1,890-$138
15Lexus ES 300h$1,896-$132
16Mercedes-Benz E350$1,908-$120
17BMW 530e$1,926-$102
18BMW 540i$1,930-$98
19Audi S4$1,938-$90
20BMW M440i$1,940-$88
21Mercedes-Benz E450$1,948-$80
22Audi A6$2,000-$28
23Jaguar XF$2,006-$22
24Lexus IS 500$2,028--
25BMW 430i$2,050$22
26Mercedes-Benz CLS450$2,064$36
27Audi RS 5$2,166$138
28Mercedes-Benz AMG C43$2,186$158
29Audi S6$2,198$170
30Infiniti Q50$2,224$196
31Mercedes-Benz AMG C63$2,254$226
32BMW M550i$2,340$312
33Audi A7$2,394$366
34Tesla Model S$2,434$406
35Lexus LC 500h$2,464$436
36Audi S7$2,590$562
37BMW M8$2,606$578
38BMW M5$2,636$608