- Lexus LC 500 insurance rates average $3,600 per year or around $300 per month, depending on the trim level.
- Drivers can find the cheapest insurance on the LC 500 Coupe trim level at $3,480 per year.
- The LC 500 Convertible Touring is the most expensive to insure at $3,742 per year.
- When compared to the entire sports car segment, the LC 500 ranks in the bottom half at 17th out of 23 total comparison vehicles.
How much does Lexus LC 500 insurance cost?
Lexus LC 500 insurance costs an average of $3,600 a year for full coverage, or around $300 each month. Expect to pay about $300 more annually for LC 500 car insurance compared to the sports cars average rate, and $1,324 more per year than the $2,276 national average.
Average Lexus LC 500 insurance cost per month ranges from $290 to $312 depending on the trim level. This amount can vary considerably depending on where you live, however.
The following chart shows average car insurance cost for a 2024 Lexus LC 500 using different policy scenarios.
The following table shows average insurance rates for the LC 500 for the 2018 through 2024 model years. Rates are for full coverage and are averaged for rated drivers age 20 through 60.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Lexus LC 500 | $7,128 | $3,600 | $2,948 |
| 2023 Lexus LC 500 | $7,058 | $3,522 | $2,896 |
| 2022 Lexus LC 500 | $7,024 | $3,498 | $2,878 |
| 2021 Lexus LC 500 | $6,934 | $3,444 | $2,840 |
| 2020 Lexus LC 500 | $6,712 | $3,332 | $2,750 |
| 2019 Lexus LC 500 | $5,996 | $2,978 | $2,456 |
| 2018 Lexus LC 500 | $5,682 | $2,814 | $2,326 |
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 Lexus LC 500 trim levels for each model year. Updated October 24, 2025
What is the cheapest Lexus LC 500 insurance?
With Lexus LC 500 insurance cost ranging from $3,480 to $3,742 annually for the average driver, the cheapest model to insure is the base Coupe. The second cheapest model to insure is the Coupe Touring at $3,530 per year. On average, expect to budget a minimum of $290 per month for full coverage LC 500 insurance.
The two most expensive LC 500 models to insure are the Coupe Dynamic Handling and the Convertible Touring trim levels at an average of $3,652 and $3,742 per year, respectively.
The table below details average auto insurance cost for different policy terms for each Lexus LC 500 package and trim.
| 2024 Lexus LC 500 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Coupe | $3,480 | $290 |
| Coupe Touring | $3,530 | $294 |
| Coupe Sport | $3,574 | $298 |
| Convertible | $3,616 | $301 |
| Coupe Dynamic Handling | $3,652 | $304 |
| Convertible Touring | $3,742 | $312 |
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. Updated October 24, 2025
Is Lexus LC 500 car insurance expensive?
The Lexus LC 500 ranks 17th out of 23 total comparison vehicles in the 2024 sports car segment. The LC 500 costs an average of $3,600 per year for insurance and the category average is $3,300 annually, a difference of $300 per year.
When comparing LC 500 car insurance rates directly to other sports cars, the Lexus costs $462 less per year than the Porsche Taycan, $278 more per year than the Chevrolet Corvette, and $1,032 less per year than the Mercedes-Benz SL 55.
The table below shows how well LC 500 car insurance rates fare against other sports car models for the 2024 model year.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $2,220 | -$1,380 |
| 2 | Toyota GR86 | $2,530 | -$1,070 |
| 3 | Ford Mustang | $2,634 | -$966 |
| 4 | BMW Z4 | $2,650 | -$950 |
| 5 | Subaru WRX | $2,690 | -$910 |
| 6 | Toyota GR Supra | $2,694 | -$906 |
| 7 | BMW M2 | $2,772 | -$828 |
| 8 | Nissan Z | $2,778 | -$822 |
| 9 | Lexus RC F | $2,838 | -$762 |
| 10 | Subaru BRZ | $2,868 | -$732 |
| 11 | BMW M3 | $3,030 | -$570 |
| 12 | Porsche 718 | $3,090 | -$510 |
| 13 | Chevrolet Camaro | $3,118 | -$482 |
| 14 | Chevrolet Corvette | $3,322 | -$278 |
| 15 | Porsche 911 | $3,438 | -$162 |
| 16 | BMW M4 | $3,580 | -$20 |
| 17 | Lexus LC 500 | $3,600 | -- |
| 18 | Jaguar F-Type | $3,786 | $186 |
| 19 | Mercedes-Benz AMG GT53 | $3,972 | $372 |
| 20 | Porsche Taycan | $4,062 | $462 |
| 21 | Mercedes-Benz SL 55 | $4,632 | $1,032 |
| 22 | Nissan GT-R | $4,670 | $1,070 |
| 23 | Mercedes-Benz SL 63 | $4,930 | $1,330 |
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 vehicle from the 2024 model year. Updated October 24, 2025
