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Jerry Data & Research
Cheapest 2009 Lexus LS Car Insurance (May 2024)
Cheapest 2009 Lexus LS Car Insurance (May 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2009 Lexus LS
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How much does car insurance cost for a 2009 Lexus LS?
- Compare the cheapest 2009 Lexus LS car insurance quotes
- The best car insurance companies for 2009 Lexus LS owners
- Average 2009 Lexus LS insurance costs
- 2009 Lexus LS insurance costs by trim level
- How expensive is 2009 Lexus LS insurance compared to other years?
- Are 2009 Lexus LS’ expensive to insure?
- What other factors affect 2009 Lexus LS insurance rates?
- How can I lower the cost of insurance for my 2009 Lexus LS?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2009 Lexus LS?
The average cost of car insurance for a 2009 Lexus LS is $1,032 for state minimum liability coverage, and $2,256 for full coverage. Compared to other models in a similar price range, auto insurance costs for the 2009 Lexus LS are 8% more more.
However, the average cost isn’t necessarily what you’ll pay for car insurance.
The cost of insurance
for a 2009 Lexus LS is based on a myriad of factors, including your vehicle trim, engine size, driver profile, and more.To find an accurate estimate of your insurance rates for a 2009 Lexus LS, use
Jerry
to get tailored insurance quotes
from insurers in your area and compare coverage limits.Compare the cheapest 2009 Lexus LS car insurance quotes
Did you know that Jerry customers save an average of --per year on car insurance rates? Below are some of the free quotes real Jerry users found for their 2009 Lexus LS.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 30, 2024 | Mercury | $165 | Julian, 48 | • 100,000/300,000 Liability | |
April 27, 2024 | Progressive | $85 | Ola, 38 | • State Minimum Liability | |
April 25, 2024 | National General | $114 | Birdie, 47 | • State Minimum Liability | |
April 23, 2024 | Clearcover | $273 | Ella, 37 | • 50,000/100,000 Liability • Comp / Collision | |
April 18, 2024 | Bristol West | $247 | Leah, 36 | • State Minimum Liability • Comp / Collision |
Last Updated May 7, 2024Keep in mind: Insurance premiums can vary greatly from one insurance company to the next. Not only do providers weigh determining factors differently, but your driver profile also has a large impact on your overall rates. Get a car insurance quote from at least three insurance companies to help you calculate your 2009 Lexus LS insurance costs.
The best car insurance companies for 2009 Lexus LS owners
It can be difficult to know who has the best or cheapest rates for you—especially considering that
auto insurance costs are calculated
using several elements, including driving record, age, vehicle type, location, and more. As a way to help drivers find their ideal provider, Jerry conducted one of the largest insurance shopping surveys in the nation, asking over 18,000 real policyholders about their experience with their current provider.
Here’s what they rated their insurers in terms of cost-effectiveness, customer service, claims satisfaction, and overall.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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Sean S.
Average 2009 Lexus LS insurance costs
On average, 2009 Lexus LS drivers pay around $86,
per month, or $1,032 per year for minimum liability car insurance. For full coverage policies, most Lexus LS owners pay approximately $188 per month, or $2,256 annually.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $86 | $1,032 |
Full coverage | $188 | $2,256 |
State minimum coverage
only includes liability insurance
and is the least amount of coverage you can purchase to comply with state requirements. The limits typically vary by state, and some locations may also require uninsured/underinsured motorist coverage
and/or personal injury protection coverage
.A
full coverage
car insurance policy includes liability insurance plus collision coverage
and comprehensive coverage
. This type of insurance provides additional protection for your vehicle against damages in collision and non-collision related events, such as theft, vandalism, and severe weather.Compare insurance information for other Lexuss
2009 Lexus LS insurance costs by trim level
The type of trim on your vehicle can also impact your Lexus car insurance. Lexus vehicles with upper trims tend to come with more advanced technology, leading to higher repair and insurance costs.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2009 460 | $188 | $86 |
How expensive is 2009 Lexus LS insurance compared to other years?
The 2009 Lexus LS is relatively cheap to insure compared to newer Lexus model years. The cost of coverage is usually higher for new cars, as newer technology often costs more to repair or replace.
On the other hand, the safety features and higher safety ratings for new models can also lower insurance costs through anti-theft discounts. While not all providers offer safety device discounts, some do provide savings opportunities for vehicles under three model years old.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
1997 Lexus LS | $110 | $239 |
1999 Lexus LS | $83 | $95 |
2001 Lexus LS | $89 | $195 |
2003 Lexus LS | $127 | $366 |
2004 Lexus LS | $105 | $224 |
2005 Lexus LS | $98 | $110 |
2006 Lexus LS | $117 | $164 |
2007 Lexus LS | $90 | $160 |
2008 Lexus LS | $80 | $193 |
2009 Lexus LS | $86 | $188 |
2010 Lexus LS | $76 | $158 |
2011 Lexus LS | $124 | $170 |
2013 Lexus LS | $164 | $286 |
Are 2009 Lexus LS’ expensive to insure?
On average, car insurance for a 2009 Lexus LS is around $86. Compared with other models in a similar price range, it costs 8% more more to insure a 2009 Lexus LS.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2009 Dodge Caliber | $76 | $175 |
2009 GMC Sierra 1500 | $80 | $131 |
2009 Lexus LS | $86 | $188 |
2009 Volvo S60 | $87 | $217 |
2009 Acura MDX | $97 | $198 |
Remember: Providers look at more than your car’s make and model to determine the cost of insurance coverage. They’ll also take into consideration the vehicle’s age, Manufacturer’s Suggested Retail Pricing (MSRP), actual cash value (ACV), and more.
What other factors affect 2009 Lexus LS insurance rates?
Along with your vehicle’s trim level and model year, insurance companies also consider the following factors when generating Lexus insurance costs:
- Your age: Teen and young drivers pay some of the highest rates for car insurance based on their lack of driving experience. Once you turn 65, you may also see your rates rise again due to age-related safety risks.
- Your driving history and claims history: Providers will charge more for an insurance policy if you’ve had accidents or tickets in the past five years.
- Where you keep your car: Different areas can have different insurance premium costs depending on their crime and accident rates, even within the same city.
2009 Lexus LS insurance costs for drivers with driving violations
You’ll pay more for your Lexus insurance rates if your driving record shows a history of violations like speeding tickets, DUIs, reckless driving charges, and more. Depending on the seriousness of the offense, your rates could be surcharged for years.
The table below shows real quotes that 2009 Lexus LS drivers with violations on their history found through Jerry.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $171 | Rosa, 28 | • State Minimum Liability |
Last Updated May 7, 2024How can I lower the cost of insurance for my 2009 Lexus LS?
Although car insurance for a 2009 Lexus LS is generally cheap, drivers can continue to save on their car insurance costs by following these
smart shopping strategies
:- Compare at least three quotes: Comparing quotes is the best way to find cheap auto insurance for your 2009 Lexus LS. WithJerry, you can review insurance rates and bind a policy in typically one to two hours.
- Use a broker: Independent agents and captive agents typically work with only one provider, or a small handful of companies at most.Car insurance brokers, on the other hand, can reach multiple insurance companies to help you find your ideal policy—all without the added cost. Consider using one when shopping for coverage.
- Bundle multiple policies:Bundling your homeowners or renters insurancewith your auto insurance can help you save an average of 15% or more!
- Check for discounts: Several insurance providers offer discounts for good driving, payment plans, maintaining good grades, and more. Ask about savings opportunities with your insurer on your next visit.
- Enroll in a usage-based insurance program: Telematics programs can help you build safe driving habits while saving on car insurance through discounts and additional rewards.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
