Lexus LS Car Insurance Cost 2025
Getting insurance for a Lexus LS costs $1,042 per year, on average. However, the exact cost can vary based on factors such as your age, the year of the car model, your driving history, location, and the coverage options you choose. To get an estimate of your specific costs, you can use the quote tables provided below to compare rates from different providers.
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If you’re considering purchasing a Lexus LS, it’s essential to think about the cost of insurance. On average, insurance for a Lexus LS costs $1,042 per year. Insurance is a significant aspect of car ownership, and it’s crucial to understand the financial commitment before making a decision.
Selecting the right car insurance is vital to prevent unexpected and potentially costly surprises in the future. It’s important to have adequate coverage in case of an accident to avoid large out-of-pocket expenses. Additionally, being responsible for an accident could lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve noticed how much these costs can vary. Your age, driving history, and location are all important factors that can influence your insurance premiums.
How Much Does Lexus LS Car Insurance Cost?
Typically, Lexus LS drivers can find car insurance at an average rate of $1,042 per year. However, the exact cost can differ depending on factors like your age, driving history, and location. It’s a good idea to shop around and compare quotes to find the best rate for your specific situation.
The cost of car insurance can indeed vary widely based on numerous factors. Elements like your location, driving record, car model year, and coverage choices all influence the price. For example, living in an area with dense traffic could lead to higher rates, while rural locations might result in lower premiums. Choosing comprehensive insurance will typically increase costs compared to basic liability coverage.
As highlighted in the table, the insurance cost for a Lexus LS is above the average for all Lexus models but may still be lower than the general average for all vehicles. Always compare quotes from different providers to find the best price for your specific situation.
| Vehicle | Average Monthly Premium |
| Lexus LS | $180 |
| All Lexus | $172 |
| All Cars | $175 |
Average Insurance Cost Of Lexus LS By Model Year
| Model Year | Average Premium |
| 2022 Lexus LS | $1,807 |
| 2021 Lexus LS | $2,215 |
| 2020 Lexus LS | $2,061 |
| 2019 Lexus LS | $1,933 |
| 2018 Lexus LS | $1,685 |
| 2017 Lexus LS | $1,483 |
| 2016 Lexus LS | $2,202 |
| 2015 Lexus LS | $1,240 |
| 2014 Lexus LS | $1,302 |
| 2013 Lexus LS | $1,405 |
| 2012 Lexus LS | $1,266 |
| 2011 Lexus LS | $938 |
| 2010 Lexus LS | $729 |
2022 Lexus LS Insurance Rates
The average annual insurance cost for a 2022 Lexus LS is $1,807. However, Nationwide offers the cheapest rates, averaging $1,042 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,042 |
| SECURA Insurance | $1,520 |
| Farm Bureau Ins of MI | $1,640 |
| Direct Auto | $1,625 |
| Safeco | $1,668 |
| Capital Insurance Group | $1,664 |
| Chubb | $2,101 |
| State Farm | $2,240 |
| Hastings Mutual Insurance Co | $2,265 |
| USAA | $2,305 |
2021 Lexus LS Insurance Rates
The average annual insurance cost for a 2021 Lexus LS is $2,215. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $1,194 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,194 |
| United Farm Bureau of IN Group | $1,429 |
| Allied | $1,945 |
| Pekin Insurance | $2,110 |
| California Capital | $2,371 |
| Mercury | $2,393 |
| State Farm | $2,518 |
| Buckeye Insurance Group | $2,573 |
| Indiana Farmers Mutual Ins | $2,669 |
| Auto-Owners Insurance Co | $2,944 |
2020 Lexus LS Insurance Rates
The average annual insurance cost for a 2020 Lexus LS is $2,061. However, Direct Auto offers the cheapest rates, averaging $926 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $926 |
| Penn National | $1,585 |
| Erie | $1,686 |
| Virginia Farm Bureau | $1,921 |
| Allied | $2,076 |
| New Jersey Manufacturers | $2,189 |
| State Farm | $2,286 |
| Mercury | $2,426 |
| Nationwide | $2,747 |
| Encompass | $2,769 |
2019 Lexus LS Insurance Rates
The average annual insurance cost for a 2019 Lexus LS is $1,933. However, Titan offers the cheapest rates, averaging $1,257 per year.
| Insurance Provider | Average Annual Cost |
| Titan | $1,257 |
| Erie | $1,612 |
| North Carolina Farm Bureau | $1,657 |
| Nationwide | $1,836 |
| Utica National Ins Group | $1,851 |
| GMAC Insurance Group | $2,015 |
| Travelers | $2,081 |
| Penn National | $2,280 |
| Allied | $2,288 |
| State Farm | $2,456 |
2018 Lexus Ls Insurance Rates
The average annual insurance cost for a 2018 Lexus LS is $1,685. However, Mercury Insurance offers the cheapest rates, averaging $353 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $353 |
| Safeco | $468 |
| Plymouth Rock | $1,568 |
| Nationwide | $1,832 |
| Country | $1,954 |
| Penn National | $1,986 |
| Mercury Insurance Company | $2,077 |
| Georgia Farm Bureau | $2,109 |
| Direct Auto | $2,212 |
| California Capital | $2,294 |
2017 Lexus LS Insurance Rates
The average annual insurance cost for a 2017 Lexus LS is $1,483. However, American National P offers the cheapest rates, averaging $581 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $581 |
| Texas Farm Bureau Group | $873 |
| National General | $924 |
| Southern Farm Bureau | $1,609 |
| California Capital | $1,625 |
| New Jersey Manufacturers | $1,623 |
| NatGen Value | $1,757 |
| Auto Club | $1,854 |
| USAA | $1,987 |
| Farmers | $1,999 |
2016 Lexus LS Insurance Rates
The average annual insurance cost for a 2016 Lexus LS is $2,202. However, Direct Auto offers the cheapest rates, averaging $423 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $423 |
| Dairyland | $914 |
| Clearcover | $1,402 |
| Dairyland Scored | $1,724 |
| California Capital | $2,453 |
| Kemper Auto | Infinity | $2,479 |
| Liberty Mutual | $2,881 |
| Mercury | $2,982 |
| National General | $3,333 |
| Farmers | $3,427 |
2015 Lexus LS Insurance Rates
The average annual insurance cost for a 2015 Lexus LS is $1,240. However, Texas Farm Bureau Group offers the cheapest rates, averaging $743 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $743 |
| Buckeye Insurance Group | $832 |
| Hastings Mutual Insurance Co | $936 |
| Farm Bureau Mutual (IA Group) | $1,012 |
| Grange Mutual | $1,211 |
| Southern Farm Bureau | $1,456 |
| USAA | $1,490 |
| Auto-Owners Insurance Co | $1,516 |
| Central Mutual Insurance Co | $1,575 |
| American Family | $1,626 |
Find Affordable Lexus LS Insurance Rates
2014 Lexus LS Insurance Rates
The average annual insurance cost for a 2014 Lexus LS is $1,302. However, Pekin Insurance offers the cheapest rates, averaging $826 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $826 |
| SECURA Insurance | $890 |
| Country | $1,074 |
| Pioneer State Mutual Ins Co | $1,293 |
| Texas Farm Bureau Group | $1,372 |
| Hastings Mutual Insurance Co | $1,452 |
| Wolverine Mutual | $1,496 |
| Rockford Mutual Insurance | $1,500 |
| Auto-Owners Insurance Co | $1,539 |
| Nationwide | $1,582 |
2013 Lexus LS Insurance Rates
The average annual insurance cost for a 2013 Lexus LS is $1,405. However, American National P offers the cheapest rates, averaging $586 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $586 |
| Kemper Auto | Infinity | $673 |
| SECURA Insurance | $956 |
| Southern Farm Bureau | $1,474 |
| Penn National | $1,599 |
| Virginia Farm Bureau | $1,650 |
| Georgia Farm Bureau | $1,753 |
| USAA | $1,759 |
| Auto-Owners Insurance Co | $1,795 |
| New Jersey Manufacturers | $1,802 |
2012 Lexus LS Insurance Rates
The average annual insurance cost for a 2012 Lexus LS is $1,266. However, Texas Farm Bureau Group offers the cheapest rates, averaging $822 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $822 |
| Direct Auto | $924 |
| Kemper Auto | Infinity | $1,069 |
| New Jersey Manufacturers | $1,236 |
| Virginia Farm Bureau | $1,261 |
| Kentucky Farm Bureau | $1,335 |
| Farm Bureau Mutual (IA Group) | $1,413 |
| Mercury Insurance | $1,435 |
| Country | $1,554 |
| Westfield | $1,613 |
2011 Lexus LS Insurance Rates
The average annual insurance cost for a 2011 Lexus LS is $938. However, Mercury Insurance Company offers the cheapest rates, averaging $260 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $260 |
| Mercury Insurance | $425 |
| American National P | $602 |
| Infinity Special | $657 |
| Southern Farm Bureau | $1,071 |
| North Carolina Farm Bureau | $1,131 |
| SECURA Insurance | $1,201 |
| Erie | $1,273 |
| GMAC Insurance Group | $1,352 |
| Direct Auto | $1,412 |
2010 Lexus LS Insurance Rates
The average annual insurance cost for a 2010 Lexus LS is $729. However, National General offers the cheapest rates, averaging $304 per year.
| Insurance Provider | Average Annual Cost |
| National General | $304 |
| American National P | $527 |
| Mercury Insurance | $633 |
| Pekin Insurance | $665 |
| Texas Farm Bureau Group | $711 |
| SECURA Insurance | $748 |
| Hastings Mutual Insurance Co | $768 |
| Safeco | $806 |
| SafeAuto | $1,050 |
| Southern Farm Bureau | $1,074 |
Find Affordable Lexus LS Insurance Rates
Is A Lexus LS Expensive To Insure?
That’s right! The cost to insure a Lexus LS tends to be higher than the average for all cars, but your specific rate will depend on several factors. For instance, your age, the model year of your car, your driving history, and where you live all play a significant role in determining your premium. Additionally, the coverage options you choose will influence the overall cost, with more comprehensive coverage generally costing more than minimum liability. It’s always a good idea to shop around and compare quotes to find the most affordable option based on your unique profile.
Cheapest Car Insurance Companies For A Lexus LS
If you’re aiming to find the most affordable car insurance for your Lexus LS, Jupiter offers the lowest average premium at $26 per month, making them the cheapest provider for this model. However, rates can vary based on factors like your age, driving history, location, and more. To find the best rate tailored to your profile, it’s recommended to shop around and compare quotes from different insurers. This way, you can ensure you get the best deal based on your individual circumstances.
| Company | Average Monthly Rate |
| Esurance | $60 |
| Jupiter | $26 |
| Elephant | $41 |
| StateAuto | $76 |
| Mapfre | $44 |
Common Lexus LS Insurance Discounts
Discounts are a great way to reduce your car insurance premiums. Some common ones that might apply to you include:
- Multi-policy discount: Bundling your home and auto insurance policies with the same provider can often earn you a discount.
- Pay annually: Paying your premium in full rather than in monthly installments can sometimes result in a lower cost.
- Defensive driving: Completing a defensive driving course from a certified institution may make you eligible for discounts.
Additionally, many insurers offer other discounts that could apply based on your personal circumstances. It’s a good idea to talk to your insurance agent, who can help you identify all potential discounts for which you might qualify.
Ways To Save On Lexus LS Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Lexus LS insurance costs down. Getting a speeding ticket or being involved in an accident can increase your premiums. Lexus LS drivers with a ticket on their record can expect to pay around $80 per month, while those with multiple accidents may pay an average of $123 per month. Avoiding these incidents can help keep your premiums low.
Additionally, annual mileage plays a role in insurance costs. Drivers who have lower annual mileage tend to pay less, as they have fewer opportunities to be involved in accidents. Lexus LS drivers who drive between 7,501-10,000 miles per year will typically pay about $83 per month. In contrast, those who drive over 10,000 miles per year could pay around $73 per month.
Compare Lexus LS To Other Lexus Models
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used for this calculation was a 40-year-old male driver purchasing full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the figures in this guide may vary from your personal results, as factors like your driving history, location, and car model can all influence your rates.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus LS?
Yes, you will need to provide proof of insurance before driving your Lexus LS off the dealership lot. The best approach is to purchase a policy ahead of time and inform your insurance company that you’re about to purchase the car. This way, you’ll already be covered when you drive it off the lot, and you can avoid the additional costs or complications of buying insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Lexus LS?
The best way to find the cheapest rates for your Lexus LS is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website.
