Lexus LS 500 Car Insurance Comparisons: Find Out Where It Ranks

How much does car insurance for a Lexus LS 500 cost? We analyze auto insurance rates from the base LS 500 Sedan to the F Sport trim to find out how average prices compare to the large luxury car segment.

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Lexus LS 500 driving on highway in early morning
  • Lexus LS 500 car insurance costs $3,298 per year (about $275 per month) for a full coverage policy, depending on the trim level.
  • The cheapest trim level of Lexus LS 500 to insure is the base RWD model at $3,236 per year, or about $270 per month.
  • Out of 24 other large luxury cars, the LS 500 ranks sixth for affordable insurance cost.

How much does Lexus LS 500 insurance cost?

Lexus LS 500 car insurance costs on average $3,298 a year for full coverage, or about $275 a month. Drivers can plan on paying about $541 less each year for Lexus LS 500 insurance compared to similar vehicles, and $1,022 more per year than the $2,276 national average.

The price summary chart below details how Lexus LS 500 car insurance costs can differ with changes in driver age and coverage deductibles.

Average 2024 Lexus LS 500 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Lexus LS 500 car insurance premiums for different driver ages and policy deductibles. Rates updated on October 24, 2025.
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Data Methodology: Average premiums are based on a 2024 model year Lexus LS 500. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Lexus LS 500 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,538$462
$500$6,620$552
$250$7,764$647
30-Year-Old$1,000$2,924$244
$500$3,528$294
$250$4,156$346
40-Year-Old$1,000$2,744$229
$500$3,298$275
$250$3,878$323
50-Year-Old$1,000$2,434$203
$500$2,912$243
$250$3,412$284
60-Year-Old$1,000$2,278$190
$500$2,724$227
$250$3,192$266

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Lexus LS 500. Updated October 24, 2025

The rate table below displays the estimated yearly and semi-annual policy costs, in addition to a monthly budget amount, for each Lexus LS 500 trim level.

2024 Lexus LS 500 Insurance Rates by Trim Level
2024 Lexus LS 500 Trim Level Annual Premium Cost Per Month
Base RWD$3,236$270
Base AWD$3,296$275
F Sport RWD$3,310$276
F Sport AWD$3,354$280

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

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Get Rates in Your AreaWhy is this important?

Insurance cost by trim level for a 2024 Lexus LS 500 ranging from the Base RWD model at $3,236 per year to the F Sport AWD model at $3,354
Insurance cost by trim level for a 2024 Lexus LS 500 ranging from the Base RWD model at $3,236 per year to the F Sport AWD model at $3,354

The data table below illustrates average Lexus LS 500 car insurance policy premiums from the 2018 to the 2024 model years and for various driver ages.

Lexus LS 500 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Lexus LS 500$6,620$3,298$2,724
2023 Lexus LS 500$6,150$3,048$2,516
2022 Lexus LS 500$5,942$2,944$2,430
2021 Lexus LS 500$6,176$3,054$2,518
2020 Lexus LS 500$5,978$2,956$2,440
2019 Lexus LS 500$5,502$2,708$2,240
2018 Lexus LS 500$4,796$2,374$1,966

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 LS 500 trim levels for each model year. Updated October 24, 2025

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Average insurance rates for 2018 to 2024 Lexus LS 500 models for drivers age 20, 40 and 60
Average insurance rates for 2018 to 2024 Lexus LS 500 models for drivers age 20, 40 and 60

How do Lexus LS 500 insurance rates compare?

When compared side-by-side to some other models in the large luxury car category, car insurance prices for a Lexus LS 500 cost $448 more per year than the Audi A5, $586 less than the BMW 740i, and $1,484 less than the Porsche Panamera.

The Lexus LS 500 ranks sixth out of 24 comparison vehicles in the large luxury car category for auto insurance affordability. The LS 500 costs an average of $3,298 per year for an auto insurance policy with full coverage and the segment average auto insurance cost is $3,839 annually, a difference of $541 per year.

The chart displayed below shows how Lexus LS 500 car insurance cost compares to the best-selling large luxury cars like the Infiniti Q60, Audi A8, and the Genesis G90. A table with more comprehensive data is also included following the chart showing insurance cost rankings for the entire large luxury car category.

Average 2024 Lexus LS 500 car insurance premium compared to other large luxury car models.
Figure 2: Average 2024 Lexus LS 500 car insurance premium compared to other large luxury car models. Rates updated on October 24, 2025.
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Data Methodology: Average rates are for a 2024 model year Lexus LS 500. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lexus LS 500 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Lexus LS 500 Insurance Cost Compared to All Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,850-$448
2Volvo S90$2,940-$358
3Genesis G90$3,154-$144
4Mercedes-Benz AMG E53$3,164-$134
5Mercedes-Benz EQS 450$3,198-$100
6Lexus LS 500$3,298--
7Lexus LS 500h$3,338$40
8BMW 840i$3,436$138
9BMW i7$3,482$184
10Audi RS 7$3,608$310
11BMW M850i$3,870$572
12BMW 740i$3,884$586
13BMW 750e$3,898$600
14Mercedes-Benz AMG GT43$3,926$628
15Audi S8$3,972$674
16Mercedes-Benz S500$4,072$774
17Audi A8$4,078$780
18BMW 760i$4,104$806
19Mercedes-Benz S580$4,262$964
20Mercedes-Benz EQS 580$4,334$1,036
21Mercedes-Benz Maybach S580$4,710$1,412
22Mercedes-Benz AMG EQS$4,758$1,460
23Porsche Panamera$4,782$1,484
24Mercedes-Benz Maybach S680$5,026$1,728

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