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2008 Lexus LS 460 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 27, 2020

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Average insurance rates for a 2008 Lexus LS 460 are $1,202 a year for full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $400, and liability insurance costs $406. Buying a liability-only policy costs as little as $450 a year, and high-risk insurance costs $2,588 or more. Teen drivers receive the highest rates at up to $4,508 a year.

Annual premium for full coverage: $1,202

Rate estimates for 2008 Lexus LS 460 Insurance

Comprehensive $260
Collision $400
Liability $406

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Lexus LS 460 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $450 for just liability coverage to a high of $2,588 for a high risk driver.

Liability Only $450
Full Coverage $1,202
High Risk $2,588

View Chart as Image

2008 Lexus LS 460 insurance rates compared
Column chart showing 2008 Lexus LS 460 insurance prices range from $700 to $4,508 for full coverage

These differences show why it is important for drivers to compare rates using their specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Lexus LS 460 Insurance

Searching Companies

Searching for lower car insurance rates for your Lexus LS 460? Feel like you’re a prisoner to high-priced car insurance? Believe me when I say there are lots of people in the same boat. Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates to discover the definitive best price available.

Smart consumers take time to do rate comparisons occasionally because insurance rates fluctuate regularly. Just because you had the best price for LS 460 insurance six months ago you may be paying too much now. Don’t believe everything you read about car insurance on the web, but by reading this article, you’re going to learn some great ways to reduce your car insurance bill.

Free Quotes for Insurance Coverage

There are a lot of ways to compare insurance coverage prices but some are more efficient than others. You could spend your day talking to insurance companies in your area, or you could use the internet for quick rates.

Many companies enroll in a system that allows shoppers to enter their coverage request one time, and every company then returns a price quote determined by their information. This saves time by eliminating quotation requests to every company.

To use this form to compare 2008 Lexus LS 460 insurance rates click to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which insurance companies you want pricing from. So if you want to choose specific providers to compare, we have a page of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, ensure you are comparing identical coverages and limits for every quote you compare. If the quotes have differing limits it will be impossible to make a fair comparison for your Lexus LS 460.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether you might need professional guidance.

  • Is business property covered if stolen from my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover a custom paint job?
  • Can my teen drive my company car?
  • Do all my vehicles need collision coverage?
  • When should my teen driver be added to my policy?
  • Should I buy full coverage?
  • Do I need higher collision deductibles?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage specifics

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Auto liability – Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills such as funeral costs, prosthetic devices and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Lexus LS 460.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Lexus LS 460 Insurance Rates by City
City Premium
New York City, NY $1,899
Los Angeles, CA $2,052
Philadelphia, PA $1,602
Jacksonville, FL $1,740
Phoenix, AZ $1,394
Chicago, IL $1,609
Houston, TX $1,880
Seattle, WA $1,167
Columbus, OH $1,002
Indianapolis, IN $1,024

Need a specific model?

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Rates by Driver Age

2008 Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $4,508
20 $2,740
30 $1,246
40 $1,202
50 $1,098
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

2008 Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,490
$250 $1,358
$500 $1,202
$1,000 $1,052

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,202
50/100 $1,283
100/300 $1,385
250/500 $1,649
100 CSL $1,324
300 CSL $1,547
500 CSL $1,710

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $6,424
20 $4,364
30 $2,638
40 $2,588
50 $2,468
60 $2,442

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $165

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $84
5-yr Claim Free $77
Paid in Full/EFT $52
Advance Quote $58
Online Quote $85
Total Discounts $502
Rate after discounts $700

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Lexus LS 460 Insurance Rates by State
State Premium
Alabama $1,084
Alaska $920
Arizona $996
Arkansas $1,202
California $1,368
Colorado $1,146
Connecticut $1,230
Delaware $1,358
Florida $1,500
Georgia $1,110
Hawaii $864
Idaho $812
Illinois $894
Indiana $906
Iowa $810
Kansas $1,140
Kentucky $1,638
Louisiana $1,776
Maine $740
Maryland $990
Massachusetts $958
Michigan $2,082
Minnesota $1,006
Mississippi $1,438
Missouri $1,066
Montana $1,288
Nebraska $946
Nevada $1,440
New Hampshire $864
New Jersey $1,342
New Mexico $1,062
New York $1,266
North Carolina $692
North Dakota $984
Ohio $828
Oklahoma $1,230
Oregon $1,100
Pennsylvania $1,144
Rhode Island $1,602
South Carolina $1,088
South Dakota $1,012
Tennessee $1,052
Texas $1,446
Utah $888
Vermont $822
Virginia $720
Washington $926
West Virginia $1,100
Wisconsin $828
Wyoming $1,070

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