Lexus LS 460 Insurance Rates

Estimated auto insurance rates for a Lexus LS 460 are $1,202 annually with full coverage. Comprehensive costs on average $260, collision costs $400, and liability costs around $406. A policy with only liability insurance costs as low as $450 a year, with a high-risk policy costing around $2,588. Teenage drivers pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below details estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $700
• Using higher $1,000 deductibles will save around $150 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,202
• Using more expensive low deductibles for physical damage coverage will cost $1,490
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,588 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,508 or more

Car insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driving record, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $440 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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 Buy Affordable Lexus LS 460 Insurance

Finding better rates on insurance for a Lexus LS 460 requires having a good driving record, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct companies, and also from local independent and exclusive agents.

The next list is a brief review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,390 more each year to buy Lexus LS 460 insurance
• You may be able to save as much as $140 per year simply by shopping early and online
• Increasing policy deductibles could save up to $450 each year
• Insureds who require increased levels of liability coverage will pay an extra $450 every year to increase from 30/60 bodily injury limits to higher 250/500 limits