Lexus LS 500h Car Insurance Costs: 2025 Edition

We break down average car insurance rates for the 2WD and AWD LS 500h models to discover how insurance costs rank when compared to all other large luxury cars.

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  • Car insurance rates for a Lexus LS 500h average $3,262 per year or around $272 per month, but can vary considerably depending on driver age.
  • Out of 24 vehicles in the 2024 large luxury car segment, the LS 500h ranks seventh for insurance affordability.

How much does Lexus LS 500h car insurance cost?

Lexus LS 500h insurance rates average $3,262 annually for full coverage, or $272 a month. Overall, expect to pay around $486 less each year for Lexus LS 500h insurance when compared to the average rate for all large luxury cars, and $1,041 more per year than the overall national average of $2,221.

The following rate chart details how 2024 Lexus LS 500h insurance rates can fluctuate based on a variety of driver ages and different policy deductibles. The rate estimates vary from a low of $2,220 per year for a driver age 60 with high policy deductibles to a high policy cost of $7,738 per year for a driver age 20 with $250 physical damage deductibles.

Average 2024 Lexus LS 500h car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Lexus LS 500h car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Lexus LS 500h. 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 500h Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,420$452
$500$6,548$546
$250$7,738$645
30-Year-Old$1,000$2,870$239
$500$3,494$291
$250$4,146$346
40-Year-Old$1,000$2,686$224
$500$3,262$272
$250$3,860$322
50-Year-Old$1,000$2,372$198
$500$2,868$239
$250$3,386$282
60-Year-Old$1,000$2,220$185
$500$2,686$224
$250$3,168$264

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 500h. Updated June 27, 2025

The following table breaks down average Lexus LS 500h full coverage insurance policy costs from the 2018 to the 2024 model years.

Lexus LS 500h Insurance Cost for 2018-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 Lexus LS 500h$3,262$272
2023 Lexus LS 500h$3,162$264
2022 Lexus LS 500h$3,074$256
2021 Lexus LS 500h$2,834$236
2020 Lexus LS 500h$2,744$229
2019 Lexus LS 500h$2,654$221
2018 Lexus LS 500h$2,408$201

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 500h trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2018 to 2024 Lexus LS 500h models
Average annual premium and cost per month to insure 2018 to 2024 Lexus LS 500h models

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

2024 Lexus LS 500h Insurance Rates by Trim Level
2024 Lexus LS 500h Trim Level Annual Premium Cost Per Month
Hybrid AWD$3,262$272

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

Insurance cost by trim level for a 2024 Lexus LS 500h
Insurance cost by trim level for a 2024 Lexus LS 500h

Is Lexus LS 500h car insurance expensive?

The Lexus LS 500h ranks seventh out of 24 total comparison vehicles in the 2024 large luxury car class for most affordable car insurance rates. The LS 500h costs an estimated $3,262 per year for insurance and the segment average cost is $3,748 per year, a difference of $486 per year.

When insurance prices are compared to other large luxury car segment models, insurance prices for a Lexus LS 500h cost $480 more per year than the Audi A5, $186 more per year than the Genesis G90, $710 less per year than the Mercedes-Benz S500, and $720 less per year than the Audi A8.

The table displayed below shows how well LS 500h insurance rates fare against the top 10 best-selling large luxury cars in the United States like the Infiniti Q60, Audi A8, and the Genesis G90.

Insurance Cost Comparison: Lexus LS 500H vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$480
2Volvo S90$2,870-$392
3Genesis G90$3,076-$186
4Mercedes-Benz AMG E53$3,088-$174
5Mercedes-Benz EQS 450$3,122-$140
6Lexus LS 500$3,220-$42
7Lexus LS 500h$3,262--
8BMW 840i$3,354$92
9BMW i7$3,402$140
10Audi RS 7$3,524$262
11BMW M850i$3,780$518
12BMW 740i$3,794$532
13BMW 750e$3,806$544
14Mercedes-Benz AMG GT43$3,832$570
15Audi S8$3,878$616
16Mercedes-Benz S500$3,972$710
17Audi A8$3,982$720
18BMW 760i$4,008$746
19Mercedes-Benz S580$4,162$900
20Mercedes-Benz EQS 580$4,230$968
21Mercedes-Benz Maybach S580$4,598$1,336
22Mercedes-Benz AMG EQS$4,642$1,380
23Porsche Panamera$4,666$1,404
24Mercedes-Benz Maybach S680$4,906$1,644

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

At $3,262 per year, insurance cost for a 2024 Lexus LS 500h ranks seventh out of 24 models in the large luxury car segment
At $3,262 per year, insurance cost for a 2024 Lexus LS 500h ranks seventh out of 24 models in the large luxury car segment