Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive insurance costs on average $260, collision costs $400, and liability is estimated at $406. A policy with only liability insurance costs approximately $450 a year, with a high-risk policy costing $2,588 or more. 16-year-old drivers pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities.

The example below illustrates how your location can change car insurance rates.

These rate differences show why everyone should get quotes based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Details

The chart below shows estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $700
• Choosing higher $1,000 deductibles can save around $150 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,202
• Buying pricier low deductibles for comp and collision coverage will cost an extra $288 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,588 or more
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,508 each year

Car insurance prices for a Lexus LS 460 also have a wide range based on your driving characteristics, the trim level of your LS 460, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age

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 $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles can save as much as $440 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Lexus LS 460 insurance for high-risk drivers ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

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 More Affordable Lexus LS 460 Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a summary of the car insurance concepts illustrated above.

• Higher risk drivers who have multiple accidents or major violations will pay on average $1,390 more each year for car insurance
• Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $450 each year
• Policyholders who require higher liability limits will pay around $450 each year to raise limits from 30/60 bodily injury limits to 250/500 limits