Lexus LS Auto Insurance Rates

Finding the best Lexus LS auto insurance rates isn't hard to do, but there are a lot of things you should know to help get affordable car insurance that still meets your needs. Lexus LS car insurance prices depend on your driving record, your age, your insurance company, and even your credit score. Where you live is important, too. Lexus LS auto insurance rates by state can vary widely, and even living in different ZIP codes can make a difference. The average Lexus LS car insurance costs $126 a month. A great way to make sure you're getting the best insurance rate is to get quotes from several of the best auto insurance companies to compare.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The LS is a luxury full-size luxury sedan in Lexus’ repertoire. Starting at just over $67,000, the car is on the upper spectrum of prices as far as Lexus goes, as one of its top rank sedans. However, as a buyer, you should also take into account the associated costs of ownership. What will fuel economy look like on this model? What will your monthly insurance premium be?

If you need to find cheap car insurance rates for your LS, you should know some of the factors that companies use to determine your rate. Where you live, how old you are, your driving record, and even your marital status can impact how much your Lexus LS auto insurance rates will be.

The average cost across the country to insure a Lexus LS is $126 per month. You can find out about what the rates are near you with our FREE comparison tool right now. If you’d like to learn more about how to save on your Lexus LS insurance, read on.

Lexus LS: Ratings & Reviews

While there are other premium luxury sedans that offer a bit more in the LS’ class, the LS remains one of the most affordable options given everything the car gives you. You can’t really go wrong with the car; be it the comfortable and elegant interior, the full suite of power options and gadgets, or its strong engine, you can’t go wrong.

It is powered by a 4.6 liter V8 and comes in automatic transmission. It can be outfitted with an optional all-wheel drive train and a sports package, which gets you sports-tuned suspension as well as the slightly more aggressive exterior styling.  The LS comes with or can be outfitted with: hard-drive-based navigation system, heated front seats, park assist, and rearview cameras among other features. Make this car your own by choosing between the packages available.

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These Companies Offer the Cheapest Lexus LS Insurance

Lexus LS: Associated Insurance Costs

Luxury cars are generally more costly to insure right off the bat, but there are ways to save. The first thing you’ll want to bear in mind is driving history. It is a direct gauge of your responsibility behind the wheel. Keep in mind that the less risk you pose to an insurer, the more savings will be passed along to you.

Another thing you’ll want to do is research. Shop around for various insurance companies, and make sure you pick the one offering you the best deal. Not all insurance companies will have the same incentives and discounts available. Do the homework, and you’ll save.

Have you considered slashing certain levels of coverage by a certain amount? Perhaps there are levels of coverage that made sense for you a couple of years ago but make sense no longer. Review your policy. If you haven’t had an accident in a couple of years, you might consider raising the deductible on your collision coverage. You’ll see monthly savings with the premium reduction, and given your penchant for being a safe driver, it won’t be likely you’ll be in an accident.

However, there is a trade-off. If you do end up in an accident through no fault of your own, you’ll be liable for more of the costs upfront. It will be monthly savings versus potential on-the-spot costs. You be the judge.

Lexus LS: Safety Ratings

The 2012 LS has not been tested by the federal government, though the IIHS has. It has received a top score of “Good” on front and rear crash tests, though it hasn’t been tested for side or roof crash tests. These ratings are important because safe cars usually reduce your premium a bit.

Lexus LS: Insurance Quotes

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