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 on average $260, collision insurance costs $400, and liability insurance is $406. Liability-only insurance costs around $450 a year, and high-risk driver insurance costs $2,588 or more. Teens pay the most at up to $4,508 a year.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist 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 has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save around $150 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,202
• Selecting more expensive low deductibles will cost an additional $288 a year
• Higher-risk drivers with serious driving violations could pay upwards of $2,588
• An auto insurance policy that insures a teen driver with full coverage may cost $4,508

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 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 could pay as little as $1,100 every 12 months 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 upwards of $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find prices 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.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 each year, while increasing your policy's liability limits will cost you more. Switching 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

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 Right Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the ideas that were touched on in this article.

• Teen drivers pay higher prices, with premiums being up to $376 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,390 more each year to insure their LS 460
• Increasing policy deductibles can save approximately $450 each year
• It is possible to save as much as $140 per year just by shopping early and online