Best Car Insurance for Lexus LS 400 2022

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
App rating
Insurance Quotes
Happy users
Savings found every month

Best insurance for Lexus LS 400

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 26% per year insuring their Lexus LS 400 when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Lexus LS 400 drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-03-1792037CALa Jolla22Allstate$1,362$900
2021-10-0530180GAVilla Rica27ClearCover$2,256$996
2021-10-0929111SCNew Zion21Progressive$3,600$3,408
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Lexus LS 400

The average annual cost to insure a Lexus LS 400 is $2,613, which is $1,006 lower than the average annual cost to insure Lexuss. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Lexus LS 400

While the mandatory liability coverage will be the cheapest option to insure your LS 400, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Lexus LS 400

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Lexus LS 400 will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Lexus LS 400 than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Lexus LS 400:
Age Groups
Average Cost
Annual Savings with Jerry

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Lexus LS 400 will be lower for an older car. These are real quotes Jerry has found for drivers of a Lexus LS 400 based on model year:
Model year
Average Cost
Annual Savings with Jerry

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Lexus LS 400 with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
National General$1,700$375

Trim levels and vehicle materials

The Lexus LS 400 comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Lexus LS 400.

Explore Other Lexus Models:

How can I save money when insuring my Lexus LS 400

There are plenty of ways to save when choosing insurance coverage for your used Lexus LS 400!

Comparison shop

The best way to get a great price for your insurance policy without sacrificing coverage is to go comparison shopping with insurance broker Jerry!
Jerry is an app that makes comparison shopping easy. Gone are the days of hunting down quotes from every insurance company you can think of. Just download Jerry and let it do all the work.
After a quick sign-up, Jerry compares dozens of policy quotes to get you the best price on your policy. It even generates personalized quotes to help you make the right decision. Best of all, all these features are free!
Key Takeaway Use Jerry to find the cheapest car insurance quote.

Opt for an older model

There are over a decade of production years to choose from when selecting your used Lexus LS 400. While the newer models may have better features and fewer miles, they can be significantly more expensive.
As long as you don’t think you’re picking out a lemon, opting for a cheaper, older Lexus LS 400 can be a great way to save.
A less expensive car usually means less expensive insurance!

Keep a clean record

No matter what you’re driving, a good record will always be to your benefit.
Tickets and accidents will go on your driving record, which your insurance provider will take into consideration when deciding on the cost of your policy. Keeping a clean record will make you seem like a less risky investment for the insurance company, keeping your rates down.
Some insurance providers could even give you a discount for good driving!

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free