Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive insurance costs approximately $260, collision costs $400, and liability is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing $2,588 or more. Teen drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Includes $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

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

The examples above highlight why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save $150 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,202
• Choosing pricier low deductibles costs an extra $288 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,588 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $4,508

Insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your LS 460.

Choosing high deductibles can reduce rates by up to $440 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional every year, depending on your age. Lexus LS 460 insurance for high-risk drivers is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,710 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance 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 the Cheapest Lexus LS 460 Insurance

Finding cheaper rates on insurance for a Lexus LS 460 consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a recap of the data covered in the above illustrations.

• Insureds who purchase increased levels of liability coverage will pay about $450 per year to raise from a 30/60 limit to a 250/500 level
• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $376 each month if full coverage is included