Lexus LS 460 Insurance Rates

Average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive costs an estimated $260, collision insurance costs $400, and liability is estimated at $406. A policy with just liability insurance costs approximately $450 a year, and coverage for high-risk drivers costs around $2,588. Teens receive the highest rates at up to $4,508 a year.

Average premium for full coverage: $1,202

Rate estimates broken down by individual coverage type:

Estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all LS 460 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why everyone should get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save approximately $150 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,202
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,490
• Unlucky drivers with serious driving violations could pay up to $2,588
• The cost to insure a teen driver for full coverage can cost as much as $4,508 each year

Insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $2,000 additional per year, depending on your age. Lexus LS 460 insurance for high-risk drivers ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Where you 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 $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.

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 Shop for Low Cost Lexus LS 460 Insurance

Saving money on car insurance takes having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

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

• You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,390 more annually to buy Lexus LS 460 insurance
• Increasing deductibles could save as much as $450 each year
• Drivers age 20 and younger are expensive to insure, as much as $376 per month if full coverage is included