Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,202 every 12 months for full coverage insurance. Comprehensive costs on average $260 each year, collision insurance costs $400, and liability coverage costs around $406. A liability-only policy costs as low as $450 a year, and high-risk insurance costs around $2,588. Teens cost the most to insure at up to $4,508 a year.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save around $150 each year
• The average price for a good driver age 40 with $500 deductibles is $1,202
• Selecting low deductibles for physical damage coverage increases the price to $1,490
• Higher-risk drivers with serious driving violations could pay upwards of $2,588
• Policy cost to insure a teenage driver may cost $4,508 or more

Car insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your LS 460.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

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 Shop for Cheaper Lexus LS 460 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

The points below are a condensed summary of the concepts that were presented in the illustrations above.

• Drivers with multiple at-fault accidents pay on average $1,390 more each year to insure a Lexus LS 460
• Drivers under the age of 20 are expensive to insure, possibly costing $376 each month if the policy includes full coverage
• It is possible to save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• It is possible to save as much as $140 per year just by quoting online in advance