Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage insurance. Comprehensive costs on average $260 a year, collision insurance costs $400, and liability is estimated at $406. Liability-only coverage costs approximately $450 a year, and high-risk coverage costs around $2,588. Teens cost the most to insure at up to $4,508 a year.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates average Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save around $1,052 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,202
• Selecting low $100 deductibles for comp and collision coverage will cost $1,490
• Unlucky drivers with serious driving violations could pay upwards of $2,588
• Policy cost with full coverage for a teen driver may cost $4,508 each year

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $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 are probably paying at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $366 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

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 Cheap Lexus LS 460 Insurance

Finding cheaper rates on car insurance takes having a good driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the concepts that were touched on above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,390 more each year to buy Lexus LS 460 insurance
• Drivers age 20 and younger pay higher rates, possibly costing $376 each month if they have full coverage
• It is possible to save as much as $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• It is possible to save as much as $140 per year just by quoting early and online