Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,244 a year for full coverage. Comprehensive insurance costs an estimated $266 a year, collision costs $440, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,692 or more. 16-year-old drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,244

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates for a targeted area, rather than using rate 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 other coverage scenarios.

• The best full coverage rate is $718
• Drivers who choose higher $1,000 deductibles will pay approximately $1,084 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,244
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $312 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,692 or more
• Policy cost that insures a teenage driver can cost as much as $4,662 a year

Auto insurance rates for a Lexus LS 460 also range considerably based on the trim level of your LS 460, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $480 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every company utilizes a different rate formula, and quoted 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 Find Cheap Lexus LS 460 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every couple of years by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief summary of the material that was touched on above.

• Consumers who want increased liability limits will pay around $440 each year to go from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, costing up to $389 each month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,450 more annually to insure a Lexus LS 460
• Increasing comprehensive and collision deductibles can save approximately $475 each year