Lexus LS Insurance Cost
Full coverage for a Lexus LS costs about $2,225 a year ($185/month) by our estimate — ▲ +40% versus the average vehicle, ranking 277th cheapest of 310 current models.
Lexus LS insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Lexus LS.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $715 | $60 | $585–$845 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,040 | $86 | $850–$1,225 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,225 | $185 | $1,825–$2,625 |
What drives the cost of insuring a Lexus LS
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lexus LS's results put our vehicle factor at 1.17× for liability, 2.03× for collision and 1.27× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 214 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 127 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 129 | Much worse than average | Damage this car does to other vehicles and property |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Lexus LS 500 4dr | 214 | 127 | 129 | — |
| Lexus LS 500 4dr 4WD | 218 | 159 | — | — |
- Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 3 NHTSA recall campaigns and 3 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Lexus LS trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| LS 500 AWD | AWD | 3.4L 6-cyl Turbo | 21 |
Lexus LS insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 3.4L 6-cyl Turbo | AWD | 21 | $2,225 |
| 2025 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–25 | $2,170 |
| 2024 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–25 | $2,115 |
| 2023 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–25 | $2,055 |
| 2022 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–25 | $2,000 |
| 2021 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–28 | $1,945 |
| 2020 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–28 | $1,890 |
| 2019 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–28 | $1,835 |
| 2018 | 3.4L 6-cyl Turbo, 3.5L 6-cyl Hybrid | AWD, RWD | 21–28 | $1,775 |
| 2017 | 4.6L 8-cyl | AWD, RWD | 18–19 | $1,720 |
| 2016 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–20 | $1,665 |
| 2015 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–20 | $1,660 |
| 2014 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–20 | $1,660 |
| 2013 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–20 | $1,660 |
| 2012 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–20 | $1,660 |
| 2011 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–20 | $1,660 |
| 2010 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | AWD, RWD | 18–21 | $1,660 |
| 2009 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | 4WD/AWD, RWD | 18–21 | $1,660 |
| 2008 | 4.6L 8-cyl, 5.0L 8-cyl Hybrid | 4WD/AWD, RWD | 19–21 | $1,660 |
| 2007 | 4.6L 8-cyl | RWD | 19–20 | $1,660 |
Lexus LS insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the LS page for that state.
Lexus LS insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,970 | $2,855 | $6,120 | $510 |
| Young adult (22) | $1,145 | $1,660 | $3,560 | $297 |
| Adult in their 30s | $715 | $1,040 | $2,225 | $185 |
| Adult in their 50s | $660 | $955 | $2,045 | $170 |
| Senior (72) | $800 | $1,160 | $2,490 | $208 |
| 30s, one at-fault accident | $1,040 | $1,505 | $3,225 | $269 |
| 30s, DUI on record | $1,325 | $1,920 | $4,115 | $343 |
Lexus LS vs. rivals
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Frequently asked questions
How much is insurance for a Lexus LS?
We estimate about $2,225 a year ($185 a month) for full coverage and $715 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 40% more than the average vehicle.
Is the Lexus LS expensive to insure?
HLDI insurance-loss data rates it at 214 for collision and 127 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Lexus LS?
Maine has the lowest estimate (about $1,450 a year for full coverage) and Louisiana the highest (about $3,030).
Is the Lexus LS cheaper to insure than the Audi S4?
By our estimate the Lexus LS costs about $2,225 a year versus $2,125 for the Audi S4, making the Audi S4 cheaper to insure.
How much is Lexus LS insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $6,120 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.