Lexus LS 460 Insurance Rates

Estimated insurance prices for a Lexus LS 460 are $1,202 every 12 months with full coverage. Comprehensive costs around $260 each year, collision insurance costs $400, and liability coverage costs around $406. A policy with only liability insurance costs as low as $450 a year, and a high-risk policy costs around $2,588. Teens pay the most at up to $4,508 a year.

Average premium for full coverage: $1,202

Premium estimates for type of coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save about $150 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,202
• Selecting low deductibles for physical damage coverage increases the price to $1,490
• Higher-risk drivers with serious driving violations could pay at least $2,588
• An auto insurance policy to insure a teenage driver can be $4,508 or more

Car insurance prices for a Lexus LS 460 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

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 the Right Lexus LS 460 Insurance

Finding better rates on auto insurance requires being a good driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

The following list is a quick rundown of the data that was covered in the above illustrations.

• You may be able to save up to $140 per year just by quoting online in advance
• Consumers who may need an increased level of liability coverage will pay approximately $450 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are the costliest to insure, possibly costing $376 per month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions pay on average $1,390 more every year than a safer driver