Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,244 every 12 months for full coverage. Comprehensive costs on average $266, collision costs $440, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing around $2,692. Teen drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $718
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The average price for a good driver age 40 with $500 deductibles is $1,244
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,556
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,692 or more
• Policy cost to insure a teen driver with full coverage may cost $4,662 a year

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

Choosing high deductibles could save up to $480 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,780 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different rate calculation, and rates will be varied.

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 Low Cost Lexus LS 460 Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below is a review of the data that was raised in the charts and tables above.

• Drivers can save as much as $150 per year simply by shopping early and online
• Policyholders who require higher levels of liability will pay about $440 each year to go from a 30/60 limit to a 250/500 level
• Teenage drivers pay higher rates, costing up to $389 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay an average of $1,450 more each year for auto insurance