Lexus LS 460 Insurance Rates

U.S. average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive costs an estimated $260 each year, collision costs $400, and liability insurance costs around $406. A policy with just liability insurance costs as low as $450 a year, with coverage for high-risk drivers costing around $2,588. Teen drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and LS 460 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below breaks down estimated Lexus LS 460 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save approximately $150 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,202
• Choosing low deductibles for physical damage coverage increases the price to $1,490
• Drivers with multiple violations and an at-fault accident could pay up to $2,588 or more
• The price to insure a teen driver can cost as much as $4,508 or more

Insurance prices for a Lexus LS 460 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $440 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices 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.

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the prices may be quite 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 Cheapest Lexus LS 460 Insurance

Getting lower rates on Lexus LS 460 insurance requires avoiding accidents and violations, having good credit, being claim-free, and taking advantage of discounts. Make time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $140 per year simply by quoting online in advance
• High-risk drivers that have major violations or accidents may have to pay on average $1,390 more annually for car insurance
• Increasing physical damage deductibles could save as much as $450 each year
• Teenagers are charged the highest prices, possibly costing $376 a month if they have full coverage