Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,244 a year with full coverage. Comprehensive costs approximately $266, collision costs $440, and liability is $402. A policy with only liability insurance costs around $446 a year, with a high-risk policy costing around $2,692. Teenage drivers pay the most at $4,662 a year or more.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why everyone should compare rates quotes using their specific location, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $718
• Raising to $1,000 deductibles will save $160 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,244
• Using pricier low deductibles bumps up the cost to $1,556
• At-risk drivers who are prone to accidents and violations could pay around $2,692 or more
• An auto insurance policy that insures a teen driver for full coverage can cost $4,662

Car insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 extra annually, depending on your age. Lexus LS 460 insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,600 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 $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can reduce prices by up to $480 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes 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 the Best Lexus LS 460 Insurance

Finding better rates on car insurance consists of being a good driver, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare prices every year by getting rate quotes from direct companies, and also from local insurance agencies.

The following list is a brief recap of the coverage data touched on above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $475 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, possibly costing $389 per month if full coverage is purchased
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,450 more per year than a safer driver