Lexus LS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus LS costs about the same to insure as the average car.
• Full coverage for a LS generally runs about $181 monthly, while liability only auto insurance prices average around $76 per month.
• Jupiter provides the most affordable average premiums for a LS with liability only coverage offered for as cheap as just $42 monthly.

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LS Overview

With 2021 models starting at $69,920, the Lexus LS is a high-end car for drivers with extra room in their budgets. There's a LS for every driver, with three different trim options offered.

After analyzing thousands of insurance quotes through Compare.com, we've found that average Lexus LS car insurance premiums run about $241 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Lexus LS?

In the table above, you'll find that compared to other vehicles, Lexus LS insurance rates are right around average. On average, LS drivers can expect to pay about $76 a month for liability insurance, and around $181 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other Lexus models, the LS's insurance premium is matches the rest of the company's vehicle lineup. Compared to offerings from other brands, auto insurance for a LS runs close to average, with liability insurance prices $7 cheaper than other cars and full coverage insurance premiums coming in $4 higher.

The same applies when comparing the Lexus LS to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Lexus LS?

If you're looking for a car insurance policy for a Lexus LS, you probably want to know which company offers the most affordable premiums. While there will never be one carrier that offers the cheapest rates for everyone, StateAuto offers the lowest average rates for liability only coverage, with rates as low as $25 per month. The runner up for most affordable rates is Jupiter, with insurance policies starting sometimes as cheap as $42 a month.

Rounding out the list are Elephant, Mapfre, and Esurance. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a wide array of different variables into consideration when offering you premiums. By checking quotes from a wide array of car insurance carriers at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Lexus LS?

There are many variables that auto insurance companies reference to decide how much they charge you -- and each company uses a different algorithm, so there's not just one carrier that's the cheapest for every driver.

The following sections show a bunch of factors insurance carriers use to calculate rates:

Vehicle Age

The Lexus LS has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Typically, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

From the table above, you can see the Lexus LS is not quite in line with this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive LSs are 15 years old or more.

Your Age

How old you are makes a difference in how much you pay for auto insurance. Based on the information above, young LS drivers have higher premiums than drivers who have more experience on the road. In this case, drivers under 18 pay over five times as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the LS.

Your Gender

You may not know, but insurance is typically cheaper for women than it is for men. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim. When it comes to LS drivers specifically, men pay about 16% more than women per month for auto insurance.

Where You Live

You may think it's obvious that things such as what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live can be equally important? Because auto insurance is regulated at the state level, rates can shift quite a bit depending on what state you live in.

For example, the average Lexus LS driver in New York pays around $286 monthly for liability coverage. Meanwhile, the same owner in California will pay only a fifth of that price, on average. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Lexus LS Car Insurance Discounts

Whatever where you live, what car you drive, or how old you are, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than in monthly installments
• Multi-vehicle discounts for having more than one car on your auto policy

There are lots of other discounts out there for saving money on your insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Even though you may not be able to control every factor car insurance companies look at to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your favor when it comes to saving cash:

Your Driving Record

It's no secret that auto insurance carriers offer the lowest premiums to drivers with a history of responsible driving. And you probably wouldn't be surprised that if you get into a collision or get a ticket for speeding, insurance prices will go up. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost LS drivers more than tickets, but both will cause a significant increase in rates. Lexus LS drivers with a single accident on their record pay an average of $111 per month (up $35 from the $76/mo. overall average), while drivers with one ticket will pay about $81 a month. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that affects your car insurance rates is the total distance you drive each year. Those who are on the roads less have fewer opportunities to get into an accident, so they'll usually get lower prices. In the table above, you can see that Lexus LS owners who drive 10,000 miles or more pay $72 for auto insurance, while those who drive fewer than 2,500 miles a year pay about $67 per month.

But if you're one of those drivers who don't put very many miles on your Lexus LS each year, it may be worth learning about pay-per-mile or usage-based car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Lexus LSs Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Lexus LS is on your shortlist, you might want to know how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Check out the table below to see how the Lexus LS compares:

Overall, the Lexus LS is on the more expensive side when it comes to price, with an MSRP that's a quarter more than the going rate for a new vehicle. The LS has a base price of $69,920, a bit higher than the national average vehicle MSRP of $46,296.

Liability insurance for a Lexus LS is, while full coverage is more than $50 less monthly.

When it comes to usage, Lexus LS drivers are much lower than the national average in annual miles driven, with 10,143 miles every year compared to 11,617 for all vehicles.

Lexus LS Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays for insurance. But if you're considering purchasing a new LS, having a good idea of exactly what you'll pay is extremely valuable as you weigh your choices.

Choose Your Model

2019 Lexus LS Car Insurance 2017 Lexus LS Car Insurance 2016 Lexus LS Car Insurance 2015 Lexus LS Car Insurance 2014 Lexus LS Car Insurance 2013 Lexus LS Car Insurance 2012 Lexus LS Car Insurance 2011 Lexus LS Car Insurance 2010 Lexus LS Car Insurance

2019 Lexus LS Car Insurance

On average, drivers who own a 2019 Lexus LS can expect to pay $61 to $280 a month for liability only and full coverage car insurance, respectively.

With rates as low as just $61 per month, Mercury offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2017 Lexus LS Car Insurance

2017 LS drivers can expect to pay an average of $59 monthly for liability or $258 for full coverage.

Elephant offered the cheapest policy we found, with rates sometimes as low as $42 a month.

Want to know exactly what your insurance price will be? Just enter your ZIP code below to get a variety of free customized quotes.

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2016 Lexus LS Car Insurance

The average cost to insure a 2016 Lexus LS with liability only coverage is $67 monthly, while full coverage runs about $277 per month.

If you're looking for the cheapest possible 2016 Lexus LS insurance policy, StateAuto offered the most affordable policy we found, with rates as little as $25 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2015 Lexus LS Car Insurance

It costs around $74 monthly for liability or $296 for a full coverage policy for the 2015 LS.

Liberty Mutual has prices sometimes as little as $23 per month for the 2015 Lexus LS.

If you want to know exactly how much you can expect to pay for your LS, get free quotes in minutes by just entering your ZIP code below.

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2014 Lexus LS Car Insurance

You can expect full coverage for a 2014 Lexus LS to run about $186 a month, while liability only coverage will average around $61 monthly.

With premiums as cheap as $29 per month, Elephant offered the cheapest policy we found for the 2014 Lexus LS.

Want to find the best rates? Get multiple personalized quotes for free by just entering your ZIP code below.

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2013 Lexus LS Car Insurance

It costs about $75 a month for liability or $174 for a full coverage policy for the 2013 LS.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as little as just $25 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2012 Lexus LS Car Insurance

On average, drivers who own a 2012 Lexus LS can expect to pay $63 to $153 a month for liability only and full coverage auto insurance, respectively.

We found Clearcover offered the most affordable policy, with rates sometimes as little as $31 per month.

If you want to know exactly how much you can expect to pay for your LS, just enter your ZIP code below and get several free quotes in minutes.

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2011 Lexus LS Car Insurance

The average cost to insure a 2011 LS with liability only coverage is $89 a month, while full coverage runs around $162 monthly.

Hallmark offered the cheapest policy we found, with rates sometimes as cheap as $23 per month.

Want to figure out exactly what you'll be asked to pay? Get several free customized quotes by just entering your ZIP code below.

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2010 Lexus LS Car Insurance

2010 Lexus LS drivers can expect to pay an average of $71 monthly for liability or $213 for full coverage.

Mercury has rates sometimes as low as $25 per month for the 2010 Lexus LS.

If you want to know exactly how much you can expect to pay for your LS, just enter your ZIP code below and get free quotes in minutes.

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Lexus LS Insurance FAQs

Is a Lexus LS expensive to insure?

The cost of car insurance for the Lexus LS is about the same as insuring the average car. Liability insurance runs an average of $76 a month, while full coverage will cost you around $181.

How can I get the best price on car insurance for my Lexus LS?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus LS affect my insurance premiums?

You may have heard the old adage that it costs more to insure a red car, but that's actually not the case. Although there are lots of things insurance carriers look at when they decide how much your policy will be, your Lexus LS's color is not one of them.

Do I need to have insurance before I buy a Lexus LS?

You'll need to have valid auto insurance for your vehicle before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you an insurance policy, but the best thing to do when buying a a new car is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Lexus LS?

You will find a variety of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the car you drive, but if your LS has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about their discounts, since they change quite a bit from carrier to carrier.