Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage insurance. Comprehensive insurance costs an estimated $260, collision insurance costs $400, and liability coverage is $406. Liability-only coverage costs around $450 a year, and high-risk coverage costs $2,588 or more. Teenage drivers cost the most to insure at up to $4,508 a year.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $700
• Raising to $1,000 deductibles will save approximately $150 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,202
• Using pricier low deductibles will cost an additional $288 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,588
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,508

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 additional every year, depending on your age. Lexus LS 460 insurance for high-risk drivers is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Your home state also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.

Using high physical damage deductibles can reduce rates by up to $440 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by 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 Best Lexus LS 460 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit score, being claim-free, and possibly raising deductibles. Compare prices at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief recap of the data raised in the charts and tables above.

• Consumers who want more liability coverage will pay an extra $450 annually to raise from a 30/60 limit to the 250/500 level
• It is possible to save approximately $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Teen drivers are expensive to insure, possibly costing $376 each month if comprehensive and collision insurance is included