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2011 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 2011 Lexus LS 460 are $1,334 a year for full coverage insurance. Comprehensive insurance costs approximately $296 each year, collision insurance costs $508, and liability coverage costs around $394. Buying a liability-only policy costs as low as $440 a year, and high-risk insurance costs $2,886 or more. Teen drivers receive the highest rates at up to $4,934 a year.

Annual premium for full coverage: $1,334

Rate estimates for 2011 Lexus LS 460 Insurance

Comprehensive $296
Collision $508
Liability $394

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 driver in their 40's, prices range range from as low as $440 for a discount liability-only rate to a high rate of $2,886 for a driver who has had serious violations or accidents.

Liability Only $440
Full Coverage $1,334
High Risk $2,886

View Chart as Image

2011 Lexus LS 460 insurance rates compared
Column chart showing 2011 Lexus LS 460 insurance prices range from $763 to $4,934 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, rather than using 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 2011 Lexus LS 460 Insurance

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Want better auto insurance rates for your Lexus LS 460? Paying for high-priced Lexus LS 460 insurance can drain your savings account and put a big crunch on your finances. Shopping your coverage around is a smart way to tighten up your finances. Drivers have so many car insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to find the best rates for your vehicles.

You should make it a habit to get comparison quotes occasionally because rates change frequently. Even if you think you had the best deal for LS 460 insurance on your last policy the chances are good that you can find a lower rate today. So forget all the misinformation about auto insurance because you’re going to learn how to quote online to lower your annual insurance bill.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Consumers just need to know the proper way to find the lowest price on the web.

Discounts are basically free money

Car insurance companies don’t list all their discounts very well, so we took the time to find both the well known and the more hidden savings tricks you should be using. If you don’t get every credit available, you’re paying more than you need to.

  • Life Insurance Discount – Some companies give a break if you buy life insurance.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Own a Home – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home shows financial diligence.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurers with the best insurance coverage discounts, follow this link.

Which insurance is the “right” coverage?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

  • What is no-fault insurance?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I break a side mirror?
  • Can I still get insurance after a DUI?
  • Is motorclub coverage worth it?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

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

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Car insurance coverage options for a 2011 Lexus LS 460

Learning about specific coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Collision insurance

This coverage pays for damage to your LS 460 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car, colliding with a tree, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability

Liability coverage can cover damage that occurs to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like loss of income, repair bills for other people’s vehicles, medical expenses, pain and suffering and court costs. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, hitting a deer, damage from a tornado or hurricane and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, funeral costs, prosthetic devices and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage on a shoestring budget

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured cut comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

In this article, we presented quite a bit of information on how to save on 2011 Lexus LS 460 insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the most savings is with a small mutual company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as GEICO and State Farm.

Low-cost insurance is possible on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

To read more, feel free to visit the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Lexus LS 460 Insurance Rates by City
City Premium
New York City, NY $2,106
Los Angeles, CA $2,280
Philadelphia, PA $1,778
Jacksonville, FL $1,933
Phoenix, AZ $1,548
Chicago, IL $1,786
Houston, TX $2,090
Seattle, WA $1,295
Columbus, OH $1,111
Indianapolis, IN $1,137

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $4,934
20 $3,064
30 $1,392
40 $1,334
50 $1,218
60 $1,196

Full coverage, $500 deductibles

Rates by Deductible

2011 Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,686
$250 $1,522
$500 $1,334
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,413
100/300 $1,511
250/500 $1,767
100 CSL $1,452
300 CSL $1,669
500 CSL $1,827

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $7,052
20 $4,880
30 $2,950
40 $2,886
50 $2,752
60 $2,726

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 $186

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $66
Online Quote $96
Total Discounts $571
Rate after discounts $763

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

Find companies with the cheapest rates in your area

2011 Lexus LS 460 Insurance Rates by State
State Premium
Alabama $1,204
Alaska $1,022
Arizona $1,106
Arkansas $1,334
California $1,520
Colorado $1,272
Connecticut $1,370
Delaware $1,508
Florida $1,666
Georgia $1,232
Hawaii $960
Idaho $904
Illinois $992
Indiana $1,006
Iowa $900
Kansas $1,264
Kentucky $1,818
Louisiana $1,972
Maine $824
Maryland $1,102
Massachusetts $1,064
Michigan $2,314
Minnesota $1,116
Mississippi $1,596
Missouri $1,184
Montana $1,432
Nebraska $1,048
Nevada $1,600
New Hampshire $960
New Jersey $1,490
New Mexico $1,180
New York $1,404
North Carolina $768
North Dakota $1,094
Ohio $918
Oklahoma $1,366
Oregon $1,222
Pennsylvania $1,270
Rhode Island $1,778
South Carolina $1,210
South Dakota $1,124
Tennessee $1,166
Texas $1,608
Utah $986
Vermont $912
Virginia $796
Washington $1,028
West Virginia $1,222
Wisconsin $922
Wyoming $1,186

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