Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,244 annually with full coverage. Comprehensive costs an estimated $266 a year, collision insurance costs $440, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs around $2,692. 16-year-old drivers cost the most to insure at up to $4,662 a year.

Average premium for full coverage: $1,244

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below details average Lexus LS 460 insurance rates for other coverage scenarios.

• The best full coverage rate is $718
• Raising to $1,000 deductibles will save approximately $1,084 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,244
• Buying low $100 deductibles will cost $1,556
• Drivers with multiple tickets or accidents could pay up to $2,692
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,662

Insurance rates for a Lexus LS 460 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $480 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, 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 the Best Cheap Lexus LS 460 Insurance

Finding cheaper rates on insurance for a Lexus LS 460 consists of avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the primary concepts that were covered above.

• You may be able to save approximately $150 per year just by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,450 more annually for car insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teenagers are charged the highest rates, as much as $389 each month including comprehensive and collision insurance