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2014 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 2014 Lexus LS 460 are $1,524 a year for full coverage insurance. Comprehensive insurance costs approximately $342 each year, collision costs $658, and liability costs $388. Buying a liability-only policy costs as little as $434 a year, with high-risk insurance costing $3,310 or more. Teenage drivers receive the highest rates at $5,548 a year or more.

Annual premium for full coverage: $1,524

Rate estimates for 2014 Lexus LS 460 Insurance

Comprehensive $342
Collision $658
Liability $388

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 go from as low as $434 for just liability coverage to a high rate of $3,310 for a driver who has had serious violations or accidents.

Liability Only $434
Full Coverage $1,524
High Risk $3,310

View Chart as Image

2014 Lexus LS 460 insurance rates compared
Column chart showing 2014 Lexus LS 460 insurance prices range from $853 to $5,548 for full coverage

These differences illustrate why all drivers should compare rates using their specific location and risk profile, instead of using average rates.

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 2014 Lexus LS 460 Insurance

Searching Companies

Searching for low-cost insurance coverage on the internet is challenging for consumers not familiar with price shopping online. With such a large number of insurers to choose from, how can anyone have a chance to compare every company to locate the lowest rates?

It’s smart to get comparison quotes on a regular basis since rates are adjusted regularly by insurance companies. Just because you had the lowest price for LS 460 insurance a few years ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate the proper way to reduce your cost while improving coverage.

The easiest way to compare insurance rates from multiple companies takes advantage of the fact all the major auto insurance companies actually pay money for the chance to compare their rates. To get started, all you need to do is take a few minutes to give details like distance driven, if you require a SR-22, what you do for a living, and your credit rating estimate. The rating information gets sent immediately to many different companies and they return rate quotes quickly.

Situations that might require an agent

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Where can I get insurance after a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Do I have newly-aquired coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my 2014 Lexus LS 460 qualify for pleasure use?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Free Auto Insurance Comparison

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Learn about insurance coverages for a Lexus LS 460

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverages

This coverage can cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Collision coverage protection

Collision insurance covers damage to your LS 460 from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, X-ray expenses, hospital visits and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass, a tree branch falling on your vehicle and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Lexus LS 460.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2014 Lexus LS 460 Insurance Rates by City
City Premium
New York City, NY $2,403
Los Angeles, CA $2,601
Philadelphia, PA $2,030
Jacksonville, FL $2,204
Phoenix, AZ $1,770
Chicago, IL $2,038
Houston, TX $2,382
Seattle, WA $1,479
Columbus, OH $1,271
Indianapolis, IN $1,297

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Rates by Driver Age

2014 Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $5,548
20 $3,522
30 $1,596
40 $1,524
50 $1,388
60 $1,366

Full coverage, $500 deductibles

Rates by Deductible

2014 Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,966
$250 $1,760
$500 $1,524
$1,000 $1,296

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,524
50/100 $1,602
100/300 $1,699
250/500 $1,951
100 CSL $1,640
300 CSL $1,854
500 CSL $2,009

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $7,968
20 $5,616
30 $3,394
40 $3,310
50 $3,156
60 $3,130

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 $218

Potential Rate Discounts

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

Discount Savings
Multi-policy $83
Multi-vehicle $81
Homeowner $22
5-yr Accident Free $119
5-yr Claim Free $101
Paid in Full/EFT $75
Advance Quote $79
Online Quote $111
Total Discounts $671
Rate after discounts $853

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

Find companies with the cheapest rates in your area

2014 Lexus LS 460 Insurance Rates by State
State Premium
Alabama $1,374
Alaska $1,166
Arizona $1,264
Arkansas $1,524
California $1,734
Colorado $1,452
Connecticut $1,562
Delaware $1,720
Florida $1,900
Georgia $1,408
Hawaii $1,094
Idaho $1,032
Illinois $1,132
Indiana $1,148
Iowa $1,026
Kansas $1,444
Kentucky $2,074
Louisiana $2,254
Maine $938
Maryland $1,256
Massachusetts $1,214
Michigan $2,640
Minnesota $1,274
Mississippi $1,822
Missouri $1,350
Montana $1,632
Nebraska $1,198
Nevada $1,824
New Hampshire $1,098
New Jersey $1,700
New Mexico $1,344
New York $1,602
North Carolina $874
North Dakota $1,246
Ohio $1,050
Oklahoma $1,560
Oregon $1,392
Pennsylvania $1,450
Rhode Island $2,028
South Carolina $1,380
South Dakota $1,282
Tennessee $1,330
Texas $1,832
Utah $1,124
Vermont $1,040
Virginia $910
Washington $1,174
West Virginia $1,394
Wisconsin $1,052
Wyoming $1,354

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