- Average Lexus LC 500h insurance cost is $3,508 per year, or $292 per month for full coverage.
- The LC 500h Hybrid Coupe trim level is the cheapest to insure at around $3,462 per year. The most expensive trim is the Hybrid Coupe Dynamic Handling at $3,576 per year.
- As one of the more expensive midsize luxury cars to insure, the Lexus LC 500h costs $634 more per year on average to insure when compared to the other midsize luxury cars.
How much does Lexus LC 500h car insurance cost?
Lexus LC 500h insurance rates cost an average of $3,508 annually for full coverage, or around $292 on a monthly basis. Drivers can expect to pay about $634 more per year to insure a Lexus LC 500h compared to the midsize luxury cars average rate, and $1,287 more per year than the $2,221 national average.
The rate chart below illustrates how 2024 Lexus LC 500h car insurance rates can vary based on driver age group and the choice of physical damage coverage deductibles.
Prices range from the cheapest policy rate of $2,372 per year for a 60-year-old driver with high policy deductibles to a high of $8,214 each year for a driver age 20 with $250 deductibles.
The rate table below details the estimated yearly and 6-month policy costs, plus a monthly insurance rate, for each Lexus LC 500h package and trim level.
| 2024 Lexus LC 500h Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Hybrid Coupe | $3,462 | $289 |
| Hybrid Coupe Sport | $3,492 | $291 |
| Hybrid Coupe Touring | $3,508 | $292 |
| Hybrid Coupe Dynamic Handling | $3,576 | $298 |
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 June 27, 2025
The data below illustrates average Lexus LC 500h full coverage insurance policy costs for the 2018-2024 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Lexus LC 500h | $3,508 | $292 |
| 2023 Lexus LC 500h | $3,414 | $285 |
| 2022 Lexus LC 500h | $3,348 | $279 |
| 2021 Lexus LC 500h | $3,432 | $286 |
| 2020 Lexus LC 500h | $3,320 | $277 |
| 2019 Lexus LC 500h | $2,974 | $248 |
| 2018 Lexus LC 500h | $2,834 | $236 |
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 500h trim levels for each model year. Updated June 27, 2025
How do LC 500h insurance prices rank?
The Lexus LC 500h ranks 32nd out of 34 comparison vehicles in the midsize luxury car segment for most affordable car insurance rates. The LC 500h costs an average of $3,508 per year to insure for full coverage, while the class average rate is $2,874 annually, a difference of $634 per year.
When compared side-by-side to other midsize luxury car segment models, insurance prices for a Lexus LC 500h cost $874 more than the Audi A3, $660 more per year than the BMW 530i, $532 more than the Genesis G80, and $472 more than the Audi A6.
The chart displayed below shows how car insurance rates for a LC 500h compare to the top 10 most popular midsize luxury cars in America like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S. An additional table is included after the chart that shows average car insurance prices for the entire 34 vehicle midsize luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $2,410 | -$1,098 |
| 2 | Lexus IS 300 | $2,414 | -$1,094 |
| 3 | Lexus ES 350 | $2,446 | -$1,062 |
| 4 | Mercedes-Benz AMG CLA35 | $2,456 | -$1,052 |
| 5 | Lexus RC 300 | $2,462 | -$1,046 |
| 6 | Jaguar XF | $2,476 | -$1,032 |
| 7 | Cadillac CT5 | $2,526 | -$982 |
| 8 | Lexus ES 250 | $2,534 | -$974 |
| 9 | Lexus ES 300h | $2,572 | -$936 |
| 10 | Audi A3 | $2,634 | -$874 |
| 11 | Infiniti Q50 | $2,650 | -$858 |
| 12 | Mercedes-Benz AMG CLA45 | $2,682 | -$826 |
| 13 | Audi S4 | $2,692 | -$816 |
| 14 | Mercedes-Benz EQE 350 | $2,724 | -$784 |
| 15 | BMW i4 | $2,734 | -$774 |
| 16 | Lexus IS 500 | $2,770 | -$738 |
| 17 | BMW 530i | $2,848 | -$660 |
| 18 | Audi S5 | $2,890 | -$618 |
| 19 | BMW 540i | $2,900 | -$608 |
| 20 | BMW 430i | $2,940 | -$568 |
| 21 | BMW i5 | $2,960 | -$548 |
| 22 | Genesis G80 | $2,976 | -$532 |
| 23 | Mercedes-Benz EQE 500 | $3,008 | -$500 |
| 24 | Mercedes-Benz AMG C43 | $3,024 | -$484 |
| 25 | Audi A6 | $3,036 | -$472 |
| 26 | Tesla Model S | $3,070 | -$438 |
| 27 | BMW 530e | $3,100 | -$408 |
| 28 | Audi RS 5 | $3,106 | -$402 |
| 29 | Audi S6 | $3,128 | -$380 |
| 30 | BMW M440i | $3,206 | -$302 |
| 31 | Audi A7 | $3,268 | -$240 |
| 32 | Lexus LC 500h | $3,508 | -- |
| 33 | Audi S7 | $3,624 | $116 |
| 34 | BMW M8 | $3,948 | $440 |
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 June 26, 2025