Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage. Comprehensive costs an estimated $260, collision costs $400, and liability coverage costs around $406. Buying just liability costs as low as $450 a year, with insurance for high-risk drivers costing around $2,588. 16-year-old drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save approximately $150 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,202
• Buying more expensive low deductibles for physical damage coverage will cost $1,490
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,588 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $4,508 or more

Insurance rates for a Lexus LS 460 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can be around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $440 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $366 more per year. View Rates by Deductible or Liability Limit

Your home state 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 at least $1,710 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates will be varied between companies.

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 Buy Cheaper Lexus LS 460 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the concepts that were covered in the above illustrations.

• Drivers with multiple at-fault accidents may pay on average $1,390 more annually to insure a Lexus LS 460
• Drivers under the age of 20 are charged the highest rates, costing up to $376 each month including comprehensive and collision insurance
• Drivers can save approximately $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers can save approximately $140 per year simply by shopping early and online