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 $2,014 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 $1,942 per year. The most expensive is the F Sport Performance Launch Edition at $2,092 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 $2,014 a year for full coverage, or $168 monthly. With the average midsize luxury car costing $2,003 a year to insure, the Lexus IS 500 averages $11 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 $162 to $174.

The next chart illustrates how IS 500 insurance rates vary with differences in driver age and policy deductibles. Rates in the example start at $1,498 per year for a 60-year-old with $1,000 physical damage deductibles and go as high as $4,740 annually for a 20-year-old with lower $250 physical damage deductibles.

Get Rates in Your AreaWhy is this important?

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 April 14, 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$3,356$280
$500$4,028$336
$250$4,740$395
30$1,000$1,764$147
$500$2,138$178
$250$2,526$211
40$1,000$1,674$140
$500$2,014$168
$250$2,370$198
50$1,000$1,526$127
$500$1,834$153
$250$2,154$180
60$1,000$1,498$125
$500$1,800$150
$250$2,116$176

As mentioned above, average monthly car insurance cost on the IS 500 ranges from $162 to $174, 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$1,942$971$162
F Sport Performance Premium$2,010$1,005$168
F Sport Performance Launch Edition$2,092$1,046$174

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 February 19, 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 $190 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 March 13, 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$1,392-$622
2Lexus RC 300$1,676-$338
3Mercedes-Benz AMG CLA35$1,716-$298
4BMW i4$1,726-$288
5Cadillac CT5$1,732-$282
6Audi A3$1,750-$264
7Mercedes-Benz AMG CLA45$1,756-$258
8Mercedes-Benz CLA250$1,768-$246
9Lexus ES 250$1,772-$242
10Lexus IS 300$1,774-$240
11Lexus ES 350$1,780-$234
12Genesis G80$1,816-$198
13Audi S5$1,840-$174
14BMW 530i$1,876-$138
15Lexus ES 300h$1,882-$132
16Mercedes-Benz E350$1,896-$118
17BMW 530e$1,912-$102
18BMW 540i$1,914-$100
19Audi S4$1,924-$90
20BMW M440i$1,926-$88
21Mercedes-Benz E450$1,932-$82
22Audi A6$1,986-$28
23Jaguar XF$1,990-$24
24Lexus IS 500$2,014--
25BMW 430i$2,034$20
26Mercedes-Benz CLS450$2,050$36
27Audi RS 5$2,150$136
28Mercedes-Benz AMG C43$2,166$152
29Audi S6$2,182$168
30Infiniti Q50$2,204$190
31Mercedes-Benz AMG C63$2,234$220
32BMW M550i$2,320$306
33Audi A7$2,378$364
34Tesla Model S$2,416$402
35Lexus LC 500h$2,448$434
36Audi S7$2,570$556
37BMW M8$2,586$572
38BMW M5$2,618$604