Lexus LS 460 Insurance Rates
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UPDATED: May 2, 2024
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Average insurance prices for a Lexus LS 460 are $1,244 every 12 months with full coverage. Comprehensive insurance costs approximately $266, collision insurance costs $440, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs $2,692 or more. Teenage drivers receive the highest rates at up to $4,662 a year.
Average premium for full coverage: $1,244
Rate estimates by individual coverage type:
Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different LS 460 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $446 for your basic liability-only policy to a much higher rate of $2,692 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details average Lexus LS 460 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $718
- Choosing higher $1,000 deductibles can save $160 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,244
- Using more expensive low deductibles for comp and collision coverage costs an extra $312 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $2,692
- The cost to insure a 16-year-old driver with full coverage can cost $4,662 each year
Insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your LS 460.
Using high physical damage deductibles can save as much as $480 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than a normal 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 $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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,124 | -$120 | -9.6% |
| Alaska | $954 | -$290 | -23.3% |
| Arizona | $1,034 | -$210 | -16.9% |
| Arkansas | $1,244 | -$0 | 0.0% |
| California | $1,418 | $174 | 14.0% |
| Colorado | $1,186 | -$58 | -4.7% |
| Connecticut | $1,278 | $34 | 2.7% |
| Delaware | $1,406 | $162 | 13.0% |
| Florida | $1,554 | $310 | 24.9% |
| Georgia | $1,150 | -$94 | -7.6% |
| Hawaii | $894 | -$350 | -28.1% |
| Idaho | $842 | -$402 | -32.3% |
| Illinois | $926 | -$318 | -25.6% |
| Indiana | $938 | -$306 | -24.6% |
| Iowa | $840 | -$404 | -32.5% |
| Kansas | $1,182 | -$62 | -5.0% |
| Kentucky | $1,698 | $454 | 36.5% |
| Louisiana | $1,842 | $598 | 48.1% |
| Maine | $768 | -$476 | -38.3% |
| Maryland | $1,028 | -$216 | -17.4% |
| Massachusetts | $994 | -$250 | -20.1% |
| Michigan | $2,162 | $918 | 73.8% |
| Minnesota | $1,042 | -$202 | -16.2% |
| Mississippi | $1,492 | $248 | 19.9% |
| Missouri | $1,104 | -$140 | -11.3% |
| Montana | $1,336 | $92 | 7.4% |
| Nebraska | $980 | -$264 | -21.2% |
| Nevada | $1,492 | $248 | 19.9% |
| New Hampshire | $898 | -$346 | -27.8% |
| New Jersey | $1,392 | $148 | 11.9% |
| New Mexico | $1,100 | -$144 | -11.6% |
| New York | $1,310 | $66 | 5.3% |
| North Carolina | $718 | -$526 | -42.3% |
| North Dakota | $1,020 | -$224 | -18.0% |
| Ohio | $858 | -$386 | -31.0% |
| Oklahoma | $1,276 | $32 | 2.6% |
| Oregon | $1,140 | -$104 | -8.4% |
| Pennsylvania | $1,186 | -$58 | -4.7% |
| Rhode Island | $1,660 | $416 | 33.4% |
| South Carolina | $1,130 | -$114 | -9.2% |
| South Dakota | $1,050 | -$194 | -15.6% |
| Tennessee | $1,090 | -$154 | -12.4% |
| Texas | $1,500 | $256 | 20.6% |
| Utah | $922 | -$322 | -25.9% |
| Vermont | $850 | -$394 | -31.7% |
| Virginia | $746 | -$498 | -40.0% |
| Washington | $960 | -$284 | -22.8% |
| West Virginia | $1,140 | -$104 | -8.4% |
| Wisconsin | $858 | -$386 | -31.0% |
| Wyoming | $1,108 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 AWD 4-Dr | $1,244 | $104 |
| Lexus LS 460 L 4-Dr Sedan | $1,268 | $106 |
| Lexus LS 460 L AWD 4-Dr | $1,268 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $328 | $590 | $390 | $1,444 |
| 2016 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2015 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2013 Lexus LS 460 | $266 | $440 | $402 | $1,244 |
| 2011 Lexus LS 460 | $242 | $366 | $402 | $1,146 |
Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Lexus LS 460 Insurance
Saving money on insurance for a Lexus LS 460 takes not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a condensed summary of the concepts that were illustrated above.
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,450 more per year for LS 460 insurance
- Teens are the costliest to insure, with premiums as much as $389 per month if full coverage is included
- You may be able to save around $150 per year just by shopping early and online
- Increasing deductibles could save as much as $475 each year
- You may be able to save around $150 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,854 |
| 30 | $1,292 |
| 40 | $1,244 |
| 50 | $1,138 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,412 |
| $500 | $1,244 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,244 |
| 50/100 | $1,348 |
| 100/300 | $1,449 |
| 250/500 | $1,710 |
| 100 CSL | $1,389 |
| 300 CSL | $1,610 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,650 |
| 20 | $4,548 |
| 30 | $2,746 |
| 40 | $2,692 |
| 50 | $2,564 |
| 60 | $2,540 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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