Lexus LS Insurance Cost in Wisconsin

Insuring a Lexus LS in Wisconsin costs about $1,530 a year ($127/month) for full coverage by our estimate — −31% versus the same car nationally — the 6th cheapest 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 Wisconsin at a glance

Full coverage

$1,530

$1,255–$1,805

25/50/10 minimum

$435

$36/mo

Same car nationally

$2,225

full coverage

Avg. car in WI

$1,095

+40% for the LS

The Lexus LS is 40% more expensive than the average vehicle to insure in Wisconsin, reflecting HLDI collision losses of 214 and comprehensive losses of 127 (100 = average). Wisconsin's own base rates are 28% lower than the national average, which carries through to every model.

Wisconsin factors that affect LS premiums

Uninsured drivers: 15.6% of Wisconsin drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your LS.
Theft: 132 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Wisconsin's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 0.86 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Wisconsin →

Lexus LS insurance cost in Wisconsin cities

City	Full coverage	Minimum	vs. state
Milwaukee	$1,750	$495	+14%
Madison	$1,660	$470	+8%
Green Bay	$1,610	$460	+5%
Kenosha	$1,710	$490	+12%
Racine	$1,730	$495	+13%
Appleton	$1,635	$465	+7%
Eau Claire	$1,565	$445	+2%
Waukesha	$1,660	$475	+8%

Lexus LS insurance in Wisconsin by driver

Estimated annual Lexus LS premium in Wisconsin
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,195	$1,730	$4,200	$350
Young adult (22)	$695	$1,005	$2,445	$204
Adult in their 30s	$435	$630	$1,530	$128
Adult in their 50s	$400	$580	$1,405	$117
Senior (72)	$485	$705	$1,710	$143
30s, one at-fault accident	$630	$915	$2,215	$185
30s, DUI on record	$805	$1,165	$2,825	$235

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.	$435	$36	$355–$510
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$630	$52	$515–$745
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,530	$127	$1,255–$1,805

Wisconsin minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Wisconsin

Model	Full coverage in WI	vs. LS
Audi S4	$1,470	−4%
Audi S5	$1,300	−15%
Audi A6	$1,335	−13%
Lucid Air	$1,945	+27%

Estimate your LS premium by ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

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

Estimated annual premium

—

Per month

—

Lexus LS insurance cost in every state · All Lexus models

Frequently asked questions

How much is Lexus LS insurance in Wisconsin?

About $1,530 a year ($127 a month) for full coverage and $435 for Wisconsin's minimum liability, for a driver in their 30s with a clean record. That is 31% less than the national estimate for the same car.

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

The average vehicle in Wisconsin is about $1,095 a year for full coverage in our model, so the Lexus LS is 40% more expensive than average.

Where in Wisconsin is Lexus LS insurance cheapest?

Among the largest Wisconsin cities, Eau Claire has the lowest estimate (about $1,565) and Milwaukee the highest (about $1,750).

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

Wisconsin requires at least 25/50/10 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