Lexus LS 460 Insurance Rates

Average insurance prices for a Lexus LS 460 are $1,244 every 12 months including full coverage. Comprehensive costs approximately $266, collision costs $440, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing around $2,692. Teenage drivers receive the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all LS 460 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $718
• Using higher $1,000 deductibles will save $160 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,244
• Using pricier low deductibles for physical damage coverage increases the price to $1,556
• High-risk insureds who are prone to accidents and violations could pay around $2,692 or more
• The cost to insure a 16-year-old driver for full coverage can cost $4,662 or more

Car insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your LS 460.

Using high physical damage deductibles could cut rates by as much as $480 annually, whereas buying more liability protection will push rates upward. Changing 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

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher 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 are likely paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Lexus LS 460 insurance for high-risk drivers can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

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 Right Lexus LS 460 Insurance

Saving money on insurance for a Lexus LS 460 requires having a good driving record, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The next list is a quick rundown of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $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, as much as $389 per month if the policy includes full coverage