Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive insurance costs approximately $260, collision costs $400, and liability is estimated at $406. Liability-only insurance costs approximately $450 a year, with high-risk driver insurance costing $2,588 or more. Teens pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location, instead of using averaged prices.

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

Rate Comparisons

The chart below shows estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save $150 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,202
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $288 every year
• Unlucky drivers with serious driving violations could pay around $2,588 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $4,508 each year

Insurance prices for a Lexus LS 460 also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Where you choose to live 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 Iowa, Maine, and Idaho, or have to pay at least $1,710 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially 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 Find Affordable Lexus LS 460 Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates every year by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a brief review of the coverage data illustrated above.

• Drivers can save around $140 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $450 each year
• Youthful drivers are the costliest to insure, as much as $376 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,390 more per year than a low-risk driver