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 $3,220 per year (about $268 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 $3,160 per year, or about $263 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 $3,220 a year for full coverage, or about $268 a month. Drivers can plan on paying about $528 less each year for Lexus LS 500 insurance compared to similar vehicles, and $999 more per year than the $2,221 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 June 26, 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$5,404$450
$500$6,460$538
$250$7,576$631
30-Year-Old$1,000$2,858$238
$500$3,446$287
$250$4,058$338
40-Year-Old$1,000$2,680$223
$500$3,220$268
$250$3,784$315
50-Year-Old$1,000$2,374$198
$500$2,842$237
$250$3,328$277
60-Year-Old$1,000$2,222$185
$500$2,660$222
$250$3,116$260

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 June 26, 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$3,160$263
Base AWD$3,218$268
F Sport RWD$3,232$269
F Sport AWD$3,274$273

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 26, 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 $3,160 per year to the F Sport AWD model at $3,274
Insurance cost by trim level for a 2024 Lexus LS 500 ranging from the Base RWD model at $3,160 per year to the F Sport AWD model at $3,274

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$6,460$3,220$2,660
2023 Lexus LS 500$6,002$2,978$2,456
2022 Lexus LS 500$5,800$2,874$2,372
2021 Lexus LS 500$6,030$2,980$2,460
2020 Lexus LS 500$5,832$2,886$2,382
2019 Lexus LS 500$5,372$2,644$2,186
2018 Lexus LS 500$4,680$2,318$1,918

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 June 27, 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 $438 more per year than the Audi A5, $574 less than the BMW 740i, and $1,446 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 $3,220 per year for an auto insurance policy with full coverage and the segment average auto insurance cost is $3,748 annually, a difference of $528 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 June 27, 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$2,782-$438
2Volvo S90$2,870-$350
3Genesis G90$3,076-$144
4Mercedes-Benz AMG E53$3,088-$132
5Mercedes-Benz EQS 450$3,122-$98
6Lexus LS 500$3,220--
7Lexus LS 500h$3,262$42
8BMW 840i$3,354$134
9BMW i7$3,402$182
10Audi RS 7$3,524$304
11BMW M850i$3,780$560
12BMW 740i$3,794$574
13BMW 750e$3,806$586
14Mercedes-Benz AMG GT43$3,832$612
15Audi S8$3,878$658
16Mercedes-Benz S500$3,972$752
17Audi A8$3,982$762
18BMW 760i$4,008$788
19Mercedes-Benz S580$4,162$942
20Mercedes-Benz EQS 580$4,230$1,010
21Mercedes-Benz Maybach S580$4,598$1,378
22Mercedes-Benz AMG EQS$4,642$1,422
23Porsche Panamera$4,666$1,446
24Mercedes-Benz Maybach S680$4,906$1,686

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 27, 2025