Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage. Comprehensive insurance costs around $260, collision costs $400, and liability costs $406. Buying just liability costs as little as $450 a year, with insurance for high-risk drivers 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 for type of insurance:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. 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 auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

The chart below shows estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $150 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,202
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $288 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,588 or more
• Policy cost with full coverage for a teen driver with full coverage can be $4,508 a year

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $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 at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $440 every year, while increasing your policy's liability limits will increase rates. 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 makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know your exact price is to compare rates and see which company has the best rate. Every company uses a different rate calculation, 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 the Best Lexus LS 460 Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the information touched on above.

• Drivers can save up to $140 per year simply by shopping early and online
• Teens pay higher rates, costing up to $376 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Higher risk drivers who tend to receive serious violations pay an average of $1,390 more every year for LS 460 insurance
• Policyholders who may need higher liability limits will pay about $450 each year to go from a 30/60 limit to higher 250/500 limits