Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,244 a year for full coverage insurance. Comprehensive insurance costs on average $266, collision costs $440, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing $2,692 or more. Teenage drivers pay the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,244

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $718
• Raising to $1,000 deductibles will save around $160 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,244
• Using more expensive low deductibles will cost an additional $312 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,692 or more
• The price that insures a teen driver with full coverage may cost $4,662

Car insurance prices for a Lexus LS 460 are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find prices as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,680 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can reduce prices by up to $480 every 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 increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite 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 Cheap Lexus LS 460 Insurance

Getting lower rates on car insurance consists of being a good driver, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the data touched on in this article.

• Policyholders who require an increased level of liability coverage will pay an extra $440 annually to raise from a low limit to the 250/500 level
• It is possible to save as much as $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $475 each year
• Drivers age 16 to 20 are expensive to insure, as much as $389 a month if full coverage is purchased