Lexus LS 460 L 4-Dr Sedan Insurance Rates

The average insurance rates for a Lexus LS 460 L 4-Dr Sedan are $1,846 a year for full coverage. Comprehensive costs an estimated $480, collision insurance costs $920, and liability coverage costs $310. A liability-only policy costs as little as $370 a year, and high-risk insurance costs around $3,996. Teen drivers cost the most to insure at up to $6,412 a year.

Annual premium for full coverage: $1,846

Policy rates broken down by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lexus LS 460 Trim Level

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

These price differences show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Lexus LS 460 L 4-Dr Sedan also range considerably based on your risk profile, the model year of your LS 460, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,400 a year. View Rates by Age

Your home state makes a big difference in Lexus LS 460 L 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $940 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $2,200 to $2,900 extra every year, depending on your age. High-risk driver insurance can cost around 45% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes will be varied from one company to the next.

View Chart as Image

Chart shows Lexus LS 460 L 4-Dr Sedan insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $1,018. Drivers who choose higher $1,000 deductibles will pay around $1,528. The average rate for a driver around age 40 using $500 deductibles is $1,846. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,464. High risk drivers could be charged around $3,996. The price for full coverage insurance for a teenage driver is $6,412.

View Chart as Image