- Car insurance rates for a Lexus LS 500h average $3,338 per year or around $278 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 $3,338 annually for full coverage, or $278 a month. Overall, expect to pay around $501 less each year for Lexus LS 500h insurance when compared to the average rate for all large luxury cars, and $1,062 more per year than the overall national average of $2,276.
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 $2,276 per year for a driver age 60 with high policy deductibles to a high policy cost of $7,932 per year for a driver age 20 with $250 physical damage deductibles.
The following table breaks down average Lexus LS 500h full coverage insurance policy costs from the 2018 to the 2024 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Lexus LS 500h | $3,338 | $278 |
| 2023 Lexus LS 500h | $3,240 | $270 |
| 2022 Lexus LS 500h | $3,150 | $263 |
| 2021 Lexus LS 500h | $2,904 | $242 |
| 2020 Lexus LS 500h | $2,812 | $234 |
| 2019 Lexus LS 500h | $2,718 | $227 |
| 2018 Lexus LS 500h | $2,466 | $206 |
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 October 24, 2025
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Hybrid AWD | $3,338 | $278 |
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 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 $3,338 per year for insurance and the segment average cost is $3,839 per year, a difference of $501 per year.
When insurance prices are compared to other large luxury car segment models, insurance prices for a Lexus LS 500h cost $488 more per year than the Audi A5, $184 more per year than the Genesis G90, $734 less per year than the Mercedes-Benz S500, and $740 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,850 | -$488 |
| 2 | Volvo S90 | $2,940 | -$398 |
| 3 | Genesis G90 | $3,154 | -$184 |
| 4 | Mercedes-Benz AMG E53 | $3,164 | -$174 |
| 5 | Mercedes-Benz EQS 450 | $3,198 | -$140 |
| 6 | Lexus LS 500 | $3,298 | -$40 |
| 7 | Lexus LS 500h | $3,338 | -- |
| 8 | BMW 840i | $3,436 | $98 |
| 9 | BMW i7 | $3,482 | $144 |
| 10 | Audi RS 7 | $3,608 | $270 |
| 11 | BMW M850i | $3,870 | $532 |
| 12 | BMW 740i | $3,884 | $546 |
| 13 | BMW 750e | $3,898 | $560 |
| 14 | Mercedes-Benz AMG GT43 | $3,926 | $588 |
| 15 | Audi S8 | $3,972 | $634 |
| 16 | Mercedes-Benz S500 | $4,072 | $734 |
| 17 | Audi A8 | $4,078 | $740 |
| 18 | BMW 760i | $4,104 | $766 |
| 19 | Mercedes-Benz S580 | $4,262 | $924 |
| 20 | Mercedes-Benz EQS 580 | $4,334 | $996 |
| 21 | Mercedes-Benz Maybach S580 | $4,710 | $1,372 |
| 22 | Mercedes-Benz AMG EQS | $4,758 | $1,420 |
| 23 | Porsche Panamera | $4,782 | $1,444 |
| 24 | Mercedes-Benz Maybach S680 | $5,026 | $1,688 |
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
