Lexus LS 460 Insurance Rates

U.S. average insurance prices for a Lexus LS 460 are $1,244 every 12 months for full coverage insurance. Comprehensive costs an estimated $266 a year, collision insurance costs $440, and liability coverage costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $2,692. Teenage drivers pay the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,244

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates average Lexus LS 460 insurance rates for other coverage scenarios.

• The best discount rate is $718
• Using higher $1,000 deductibles will save approximately $1,084 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,244
• Using low $100 deductibles for physical damage coverage increases the price to $1,556
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,692
• The price to insure a teenage driver can cost as much as $4,662 or more

Insurance prices for a Lexus LS 460 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $480 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,680 on average in Florida, New York, and Michigan.

Insurance Rates by Trim Level and Model Year

Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheap Lexus LS 460 Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the ideas that were raised in the charts and tables above.

• Teenagers are charged the highest prices, as much as $389 a month if they have full coverage
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,450 more annually for car insurance
• Increasing physical damage deductibles could save as much as $475 each year
• It is possible to save approximately $150 per year just by quoting early and online