Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive costs an estimated $260, collision insurance costs $400, and liability costs $406. Buying just liability costs as little as $450 a year, and insurance for high-risk drivers costs around $2,588. Teens pay the highest rates at up to $4,508 a year.

Average premium for full coverage: $1,202

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all LS 460 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.

The ranges above show why everyone should compare rates for a targeted area, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $150 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,202
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,490
• Drivers with serious driving violations could pay up to $2,588
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,508 a year

Insurance prices for a Lexus LS 460 are also quite variable based on the model of your LS 460, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 additional each year, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

The state you live in makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,710 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could save up to $440 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit

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 Find Affordable Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates at every other renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,390 more annually to insure a Lexus LS 460
• Drivers under the age of 20 are expensive to insure, with premiums as much as $376 a month if comprehensive and collision insurance is included
• Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date