Lexus LS 460 Insurance Rates

Average insurance rates for a Lexus LS 460 are $1,244 a year with full coverage. Comprehensive costs approximately $266, collision insurance costs $440, and liability insurance is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs around $2,692. Teenage 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:

These estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details average Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $718
• Raising to $1,000 deductibles will save $160 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,244
• Using more expensive low deductibles bumps up the cost to $1,556
• Higher-risk drivers who are prone to accidents and violations could pay around $2,692
• The cost that insures a teen driver with full coverage can cost $4,662

Car insurance rates for a Lexus LS 460 can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you live also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can reduce rates by up to $480 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

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

Saving money on Lexus LS 460 insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Compare prices at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a brief summary of the data touched on in this article.

• Drivers who purchase higher liability limits will pay an extra $440 every year to raise from a minimum limit to the 250/500 level
• You may be able to save around $150 per year just by shopping early and online
• Increasing deductibles can save approximately $475 each year
• Teens pay the highest auto insurance rates, with premiums as much as $389 per month if full coverage is purchased