Lexus LS 460 Insurance Rates

Average auto insurance rates for a Lexus LS 460 are $1,244 annually with full coverage. Comprehensive insurance costs around $266, collision insurance costs $440, and liability is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers costs $2,692 or more. Teens receive the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,244

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all LS 460 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.

These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $718
• Raising to $1,000 deductibles will save about $160 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,244
• Selecting pricier low deductibles costs an additional $312 every year
• At-risk drivers with serious driving violations could pay at least $2,692
• The cost with full coverage for a teen driver for full coverage can be $4,662

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,000 additional per year, 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 the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,680 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 Buy the Right Lexus LS 460 Insurance

Saving money on car insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a quick rundown of the data that was touched on in the above illustrations.

• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• Policyholders who may need additional liability coverage will pay approximately $440 every year to raise from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $389 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,450 more every year than a driver with a clean driving record