Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive insurance costs on average $260 each year, collision costs $400, and liability is estimated at $406. Buying just liability costs approximately $450 a year, with insurance for high-risk drivers costing $2,588 or more. Teens cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save around $150 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,202
• Selecting low deductibles for comp and collision coverage will cost an extra $288 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,588 or more
• Policy cost for full coverage for a 16-year-old driver may cost $4,508 each year

Insurance rates for a Lexus LS 460 also range considerably based on your risk profile, the trim level of your LS 460, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $366 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 Cheap Lexus LS 460 Insurance

Finding cheaper rates on insurance for a Lexus LS 460 takes being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk that tend to have accidents or serious violations will pay on average $1,390 more each year to insure their LS 460
• Teen drivers pay the highest rates, costing up to $376 each month for full coverage
• Drivers can save as much as $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers can save as much as $140 per year simply by quoting online in advance