Lexus LS 460 Insurance Rates

Average insurance prices for a Lexus LS 460 are $1,202 every 12 months for full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $400, and liability coverage costs around $406. A policy with just liability insurance costs as low as $450 a year, with coverage for high-risk drivers costing $2,588 or more. Teenage drivers receive the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples show why it is important to compare prices using their specific location and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $700
• Using higher $1,000 deductibles will save $1,052 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,202
• Using low $100 deductibles for physical damage coverage costs an extra $288 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,588 or more
• The cost to insure a teenage driver can cost $4,508 or more

Insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your LS 460.

Using high physical damage deductibles could cut rates by as much as $440 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly 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 Shop for Affordable Lexus LS 460 Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the information raised in the charts and tables above.

• Drivers can save around $140 per year simply by quoting early and online
• Teens are the costliest to insure, costing as high as $376 per month if full coverage is included
• Increasing deductibles could save as much as $450 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,390 more per year for LS 460 insurance
• Consumers who purchase higher liability limits will pay an extra $450 each year to increase from a minimum limit to a 250/500 level