Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year for full coverage insurance. Comprehensive insurance costs around $260, collision costs $400, and liability is $406. A liability-only policy costs around $450 a year, with high-risk insurance costing $2,588 or more. 16-year-old drivers pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $700
• Raising to $1,000 deductibles will save about $150 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,202
• Buying more expensive low deductibles will cost an extra $288 annually
• Drivers with multiple tickets or accidents could pay at least $2,588 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,508

Auto insurance prices for a Lexus LS 460 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.

Opting for high physical damage deductibles can reduce prices by up to $440 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $366 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

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 the Best Cheap Lexus LS 460 Insurance

Finding better rates on insurance for a Lexus LS 460 consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick review of the data presented in the illustrations above.

• Insureds who may need more liability protection will pay around $450 annually to raise from 30/60 bodily injury limits to 250/500 limits
• It is possible to save up to $140 per year simply by shopping early and online
• Increasing policy deductibles can save around $450 each year
• Youthful drivers are expensive to insure, with premiums being up to $376 per month if they have full coverage