Lexus LS Insurance Cost in Nevada

Insuring a Lexus LS in Nevada costs about $2,450 a year ($204/month) for full coverage by our estimate — +10% versus the same car nationally — the 12th most expensive of 51 states for this model.

Lexus LS (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Lexus LS insurance in Nevada at a glance

Full coverage

$2,450

$2,010–$2,895

25/50/20 minimum

$1,010

$84/mo

Same car nationally

$2,225

full coverage

Avg. car in NV

$1,815

+35% for the LS

The Lexus LS is 35% more expensive than the average vehicle to insure in Nevada, reflecting HLDI collision losses of 214 and comprehensive losses of 127 (100 = average). Nevada's own base rates are 14% higher than the national average, which carries through to every model.

Nevada factors that affect LS premiums

Uninsured drivers: 11.1% of Nevada drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your LS.
Theft: 397 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Nevada's expected annual losses as very low for hail, very low for tornado, no expected annual losses for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.47 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Nevada →

Lexus LS insurance cost in Nevada cities

City	Full coverage	Minimum	vs. state
Las Vegas	$2,885	$1,190	+18%
Henderson	$2,770	$1,140	+13%
North Las Vegas	$2,825	$1,165	+15%
Reno	$2,655	$1,095	+8%
Sparks	$2,775	$1,140	+13%
Carson City	$2,385	$990	−3%
Fernley	$2,465	$1,020	+1%
Mesquite	$2,445	$1,010	0%

Lexus LS insurance in Nevada by driver

Estimated annual Lexus LS premium in Nevada
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,780	$4,030	$6,740	$562
Young adult (22)	$1,615	$2,345	$3,925	$327
Adult in their 30s	$1,010	$1,465	$2,450	$204
Adult in their 50s	$930	$1,350	$2,255	$188
Senior (72)	$1,130	$1,640	$2,745	$229
30s, one at-fault accident	$1,465	$2,125	$3,555	$296
30s, DUI on record	$1,870	$2,710	$4,535	$378

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$1,010	$84	$830–$1,190
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,465	$122	$1,200–$1,730
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,450	$204	$2,010–$2,895

Nevada minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Nevada

Model	Full coverage in NV	vs. LS
Audi S4	$2,330	−5%
Audi S5	$1,905	−22%
Audi A6	$2,055	−16%
Lucid Air	$2,965	+21%

Estimate your LS premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Lexus LS insurance cost in every state · All Lexus models

Frequently asked questions

How much is Lexus LS insurance in Nevada?

About $2,450 a year ($204 a month) for full coverage and $1,010 for Nevada's minimum liability, for a driver in their 30s with a clean record. That is 10% more than the national estimate for the same car.

Is the Lexus LS cheaper to insure than the average car in Nevada?

The average vehicle in Nevada is about $1,815 a year for full coverage in our model, so the Lexus LS is 35% more expensive than average.

Where in Nevada is Lexus LS insurance cheapest?

Among the largest Nevada cities, Carson City has the lowest estimate (about $2,385) and Las Vegas the highest (about $2,885).

What insurance do I need for a Lexus LS in Nevada?

Nevada requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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.

Sources used on this page