Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,202 a year including full coverage. Comprehensive insurance costs on average $260 a year, collision costs $400, and liability is estimated at $406. Liability-only coverage costs approximately $450 a year, with high-risk coverage costing $2,588 or more. Teen drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above highlight why it is important to get quotes based on a specific location, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $700
• Choosing higher $1,000 deductibles can save around $1,052 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,202
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $288 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,588 or more
• The price that insures a teen driver may cost $4,508 each year

Auto insurance prices for a Lexus LS 460 are also quite variable based on the trim level of your LS 460, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

Choosing high deductibles can save as much as $440 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices may be quite different.

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 the Best Cheap Lexus LS 460 Insurance

Getting lower rates on car insurance takes being safe and accident-free, maintaining a good credit score, being claim-free, and taking advantage of discounts. Shop around every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a quick review of the coverage data covered in the charts and tables above.

• You may be able to save as much as $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $450 each year
• Youthful drivers are charged the highest prices, possibly costing $376 a month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,390 more each year than a low-risk driver