Lexus LS 460 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a Lexus LS 460 are $1,244 every 12 months with full coverage. Comprehensive costs approximately $266 each year, collision insurance costs $440, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs around $2,692. Teen drivers receive the highest rates at up to $4,662 a year.
Average premium for full coverage: $1,244
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and LS 460 models.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $446 for basic liability insurance to a high rate of $2,692 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why all drivers should get quotes using their specific location and their own driving history, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details average Lexus LS 460 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $718
- Choosing higher $1,000 deductibles can save $160 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,244
- Choosing low deductibles for comp and collision coverage increases the price to $1,556
- Drivers with multiple violations and an at-fault accident could pay around $2,692
- The cost to insure a teenage driver can cost $4,662 each year
Car insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your LS 460.
Choosing high deductibles can save as much as $480 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Lexus LS 460 insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,680 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,124 | -$120 | -9.6% |
| Alaska | $954 | -$290 | -23.3% |
| Arizona | $1,034 | -$210 | -16.9% |
| Arkansas | $1,244 | -$0 | 0.0% |
| California | $1,418 | $174 | 14.0% |
| Colorado | $1,186 | -$58 | -4.7% |
| Connecticut | $1,278 | $34 | 2.7% |
| Delaware | $1,406 | $162 | 13.0% |
| Florida | $1,554 | $310 | 24.9% |
| Georgia | $1,150 | -$94 | -7.6% |
| Hawaii | $894 | -$350 | -28.1% |
| Idaho | $842 | -$402 | -32.3% |
| Illinois | $926 | -$318 | -25.6% |
| Indiana | $938 | -$306 | -24.6% |
| Iowa | $840 | -$404 | -32.5% |
| Kansas | $1,182 | -$62 | -5.0% |
| Kentucky | $1,698 | $454 | 36.5% |
| Louisiana | $1,842 | $598 | 48.1% |
| Maine | $768 | -$476 | -38.3% |
| Maryland | $1,028 | -$216 | -17.4% |
| Massachusetts | $994 | -$250 | -20.1% |
| Michigan | $2,162 | $918 | 73.8% |
| Minnesota | $1,042 | -$202 | -16.2% |
| Mississippi | $1,492 | $248 | 19.9% |
| Missouri | $1,104 | -$140 | -11.3% |
| Montana | $1,336 | $92 | 7.4% |
| Nebraska | $980 | -$264 | -21.2% |
| Nevada | $1,492 | $248 | 19.9% |
| New Hampshire | $898 | -$346 | -27.8% |
| New Jersey | $1,392 | $148 | 11.9% |
| New Mexico | $1,100 | -$144 | -11.6% |
| New York | $1,310 | $66 | 5.3% |
| North Carolina | $718 | -$526 | -42.3% |
| North Dakota | $1,020 | -$224 | -18.0% |
| Ohio | $858 | -$386 | -31.0% |
| Oklahoma | $1,276 | $32 | 2.6% |
| Oregon | $1,140 | -$104 | -8.4% |
| Pennsylvania | $1,186 | -$58 | -4.7% |
| Rhode Island | $1,660 | $416 | 33.4% |
| South Carolina | $1,130 | -$114 | -9.2% |
| South Dakota | $1,050 | -$194 | -15.6% |
| Tennessee | $1,090 | -$154 | -12.4% |
| Texas | $1,500 | $256 | 20.6% |
| Utah | $922 | -$322 | -25.9% |
| Vermont | $850 | -$394 | -31.7% |
| Virginia | $746 | -$498 | -40.0% |
| Washington | $960 | -$284 | -22.8% |
| West Virginia | $1,140 | -$104 | -8.4% |
| Wisconsin | $858 | -$386 | -31.0% |
| Wyoming | $1,108 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 AWD 4-Dr | $1,244 | $104 |
| Lexus LS 460 L 4-Dr Sedan | $1,268 | $106 |
| Lexus LS 460 L AWD 4-Dr | $1,268 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $328 | $590 | $390 | $1,444 |
| 2016 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2015 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2013 Lexus LS 460 | $266 | $440 | $402 | $1,244 |
| 2011 Lexus LS 460 | $242 | $366 | $402 | $1,146 |
Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Lexus LS 460 Insurance
Saving money on auto insurance takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the primary concepts that were covered in the above illustrations.
- You may be able to save around $150 per year just by quoting online in advance
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,450 more per year to buy Lexus LS 460 insurance
- Increasing deductibles could save as much as $475 each year
- Drivers age 20 and younger pay the highest auto insurance rates, with premiums as much as $389 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,854 |
| 30 | $1,292 |
| 40 | $1,244 |
| 50 | $1,138 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,412 |
| $500 | $1,244 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,244 |
| 50/100 | $1,348 |
| 100/300 | $1,449 |
| 250/500 | $1,710 |
| 100 CSL | $1,389 |
| 300 CSL | $1,610 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,650 |
| 20 | $4,548 |
| 30 | $2,746 |
| 40 | $2,692 |
| 50 | $2,564 |
| 60 | $2,540 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
