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2015 Lexus LS 460 Insurance Rates

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

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 2015 Lexus LS 460 are $1,574 a year including full coverage. Comprehensive insurance costs on average $356, collision insurance costs $698, and liability coverage costs around $384. Buying a liability-only policy costs as low as $432 a year, and high-risk insurance costs $3,424 or more. Teenage drivers receive the highest rates at up to $5,712 a year.

Annual premium for full coverage: $1,574

Rate estimates for 2015 Lexus LS 460 Insurance

Comprehensive $356
Collision $698
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 $432 for just liability insurance to the much higher price of $3,424 for a high risk driver.

Liability Only $432
Full Coverage $1,574
High Risk $3,424

View Chart as Image

2015 Lexus LS 460 insurance rates compared
Column chart showing 2015 Lexus LS 460 insurance prices range from $880 to $5,712 for full coverage

These differences highlight why everyone should compare prices based on a specific location and risk profile, rather than 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 2015 Lexus LS 460 Insurance

Searching Companies

Searching for the cheapest car insurance rates for your Lexus LS 460? Cutting costs on car insurance can be hard for consumers not familiar with comparison shopping online. Drivers have so many options available that it can quickly become more work than you anticipated to locate the lowest price.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Nevertheless, drivers benefit from understanding the methods companies use to price online insurance.

Save money by taking advantage of these seven discounts

Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Homeowners Savings – Owning a home can save you money because maintaining a house shows financial diligence.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Use Seat Belts – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates on car insurance on LS 460 coverage.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on LS 460 coverage than drivers with accidents.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of companies offering car insurance discounts, click this link.

When should I use an insurance agent?

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • Do I need special endorsements for business use of my vehicle?
  • Is my teenager covered with friends in the car?
  • When do I need to add a new car to my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I drive in a foreign country?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Free Auto Insurance Comparison

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Insurance coverage specifics

Learning about specific coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Lexus LS 460.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your LS 460 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, hail damage, fire damage and theft. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

We just presented some good ideas how to get a better price on 2015 Lexus LS 460 insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.

When shopping online for auto insurance, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Cheaper insurance can be purchased online in addition to many insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Additional information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Lexus LS 460 Insurance Rates by City
City Premium
New York City, NY $2,481
Los Angeles, CA $2,691
Philadelphia, PA $2,097
Jacksonville, FL $2,278
Phoenix, AZ $1,826
Chicago, IL $2,106
Houston, TX $2,462
Seattle, WA $1,527
Columbus, OH $1,312
Indianapolis, IN $1,340

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $5,712
20 $3,646
30 $1,652
40 $1,574
50 $1,436
60 $1,412

Full coverage, $500 deductibles

Rates by Deductible

2015 Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,040
$250 $1,824
$500 $1,574
$1,000 $1,334

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,574
50/100 $1,651
100/300 $1,747
250/500 $1,996
100 CSL $1,689
300 CSL $1,900
500 CSL $2,054

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $8,210
20 $5,812
30 $3,516
40 $3,424
50 $3,266
60 $3,238

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 $226

Potential Rate Discounts

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

Discount Savings
Multi-policy $86
Multi-vehicle $83
Homeowner $22
5-yr Accident Free $124
5-yr Claim Free $104
Paid in Full/EFT $78
Advance Quote $82
Online Quote $115
Total Discounts $694
Rate after discounts $880

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

Find companies with the cheapest rates in your area

2015 Lexus LS 460 Insurance Rates by State
State Premium
Alabama $1,420
Alaska $1,206
Arizona $1,304
Arkansas $1,574
California $1,794
Colorado $1,500
Connecticut $1,616
Delaware $1,778
Florida $1,964
Georgia $1,452
Hawaii $1,132
Idaho $1,064
Illinois $1,170
Indiana $1,186
Iowa $1,062
Kansas $1,492
Kentucky $2,144
Louisiana $2,328
Maine $970
Maryland $1,298
Massachusetts $1,254
Michigan $2,730
Minnesota $1,318
Mississippi $1,884
Missouri $1,396
Montana $1,688
Nebraska $1,238
Nevada $1,886
New Hampshire $1,134
New Jersey $1,758
New Mexico $1,390
New York $1,654
North Carolina $904
North Dakota $1,288
Ohio $1,084
Oklahoma $1,612
Oregon $1,442
Pennsylvania $1,498
Rhode Island $2,098
South Carolina $1,426
South Dakota $1,328
Tennessee $1,376
Texas $1,894
Utah $1,164
Vermont $1,074
Virginia $942
Washington $1,212
West Virginia $1,442
Wisconsin $1,088
Wyoming $1,400

Free Auto Insurance Comparison

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