Lexus LS 460 Insurance Rates
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UPDATED: May 2, 2024
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Estimated auto insurance rates for a Lexus LS 460 are $1,300 annually with full coverage. Comprehensive insurance costs on average $288, collision insurance costs $474, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,808 or more. Teenage drivers pay the most at up to $4,826 a year.
Average premium for full coverage: $1,300
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different LS 460 trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus LS 460 range from as cheap as $446 for liability-only coverage to a much higher rate of $2,808 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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.
Additional Charts and Tables
The chart below details average Lexus LS 460 insurance rates for different risk profiles and scenarios.
- The best discount rate is $748
- Choosing higher $1,000 deductibles can save around $174 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,300
- Using more expensive low deductibles for comp and collision coverage costs an additional $334 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,808
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,826 each year
Auto insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges from 44% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $510 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
Where you choose to 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 $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$126 | -9.7% |
| Alaska | $996 | -$304 | -23.4% |
| Arizona | $1,078 | -$222 | -17.1% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,480 | $180 | 13.8% |
| Colorado | $1,240 | -$60 | -4.6% |
| Connecticut | $1,336 | $36 | 2.8% |
| Delaware | $1,468 | $168 | 12.9% |
| Florida | $1,622 | $322 | 24.8% |
| Georgia | $1,202 | -$98 | -7.5% |
| Hawaii | $932 | -$368 | -28.3% |
| Idaho | $882 | -$418 | -32.2% |
| Illinois | $968 | -$332 | -25.5% |
| Indiana | $982 | -$318 | -24.5% |
| Iowa | $876 | -$424 | -32.6% |
| Kansas | $1,234 | -$66 | -5.1% |
| Kentucky | $1,772 | $472 | 36.3% |
| Louisiana | $1,924 | $624 | 48.0% |
| Maine | $802 | -$498 | -38.3% |
| Maryland | $1,074 | -$226 | -17.4% |
| Massachusetts | $1,038 | -$262 | -20.2% |
| Michigan | $2,256 | $956 | 73.5% |
| Minnesota | $1,090 | -$210 | -16.2% |
| Mississippi | $1,556 | $256 | 19.7% |
| Missouri | $1,154 | -$146 | -11.2% |
| Montana | $1,396 | $96 | 7.4% |
| Nebraska | $1,022 | -$278 | -21.4% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $938 | -$362 | -27.8% |
| New Jersey | $1,454 | $154 | 11.8% |
| New Mexico | $1,150 | -$150 | -11.5% |
| New York | $1,370 | $70 | 5.4% |
| North Carolina | $750 | -$550 | -42.3% |
| North Dakota | $1,066 | -$234 | -18.0% |
| Ohio | $896 | -$404 | -31.1% |
| Oklahoma | $1,332 | $32 | 2.5% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$62 | -4.8% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,178 | -$122 | -9.4% |
| South Dakota | $1,096 | -$204 | -15.7% |
| Tennessee | $1,138 | -$162 | -12.5% |
| Texas | $1,566 | $266 | 20.5% |
| Utah | $964 | -$336 | -25.8% |
| Vermont | $886 | -$414 | -31.8% |
| Virginia | $778 | -$522 | -40.2% |
| Washington | $1,002 | -$298 | -22.9% |
| West Virginia | $1,192 | -$108 | -8.3% |
| Wisconsin | $898 | -$402 | -30.9% |
| Wyoming | $1,156 | -$144 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,276 | $106 |
| Lexus LS 460 4-Dr Sedan | $1,276 | $106 |
| Lexus LS 460 AWD 4-Dr | $1,300 | $108 |
| Lexus LS 460 L 4-Dr Sedan | $1,326 | $111 |
| Lexus LS 460 L AWD 4-Dr | $1,326 | $111 |
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 | $342 | $658 | $388 | $1,524 |
| 2016 Lexus LS 460 | $328 | $590 | $390 | $1,444 |
| 2015 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2013 Lexus LS 460 | $288 | $474 | $402 | $1,300 |
| 2011 Lexus LS 460 | $260 | $400 | $406 | $1,202 |
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 Buy the Best Cheap Lexus LS 460 Insurance
Finding better rates on insurance for a Lexus LS 460 takes being a safe and courteous driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by getting quotes from direct companies, and also from local independent and exclusive agents.
Below is a quick review of the ideas that were illustrated above.
- Teenage drivers are charged the highest prices, possibly costing $402 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,510 more each year for auto insurance
- Increasing policy deductibles could save up to $500 each year
- You may be able to save as much as $160 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,826 |
| 20 | $2,978 |
| 30 | $1,354 |
| 40 | $1,300 |
| 50 | $1,186 |
| 60 | $1,164 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,634 |
| $250 | $1,480 |
| $500 | $1,300 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,406 |
| 100/300 | $1,507 |
| 250/500 | $1,768 |
| 100 CSL | $1,447 |
| 300 CSL | $1,668 |
| 500 CSL | $1,829 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,744 |
| 30 | $2,870 |
| 40 | $2,808 |
| 50 | $2,678 |
| 60 | $2,654 |
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 | $70 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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