Lexus LS 460 Insurance Rates

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

Average premium for full coverage: $1,244

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than using price averages.

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

Additional Rate Details

The chart below illustrates average Lexus LS 460 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $718
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,244
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $312 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,692
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,662 each year

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

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges around 43% to 134% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus LS 460 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,680 on average in Florida, New York, and Michigan.

Choosing high deductibles can save as much as $480 a year, while increasing your policy's liability limits will increase premiums. Switching 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

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 Right Lexus LS 460 Insurance

Finding better rates on auto insurance takes being a good driver, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Shop around once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the data that was touched on in this article.

• It is possible to save approximately $150 per year just by shopping early and online
• Consumers who want an increased level of liability coverage will pay about $440 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, with premiums being up to $389 per month if full coverage is purchased
• Drivers with reckless driving or DUI convictions may have to pay on average $1,450 more annually than a safer driver