Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive insurance costs on average $260 each year, collision insurance costs $400, and liability costs around $406. Buying just liability costs as low as $450 a year, and insurance for high-risk drivers costs $2,588 or more. Teenage drivers 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:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above highlight why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $700
• Using higher $1,000 deductibles will save around $150 every year
• The average price for a good driver age 40 with $500 deductibles is $1,202
• Using low deductibles for physical damage coverage costs an extra $288 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,588
• Policy cost to insure a 16-year-old driver may cost $4,508 or more

Insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your LS 460.

Using high physical damage deductibles could cut rates by as much as $440 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay 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 likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.

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 Cheap Lexus LS 460 Insurance

Finding cheaper rates on insurance for a Lexus LS 460 requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Make time to compare rates every year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the coverage data touched on in this article.

• You may be able 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
• Teen drivers pay the highest rates, with premiums being up to $376 each month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,390 more each year to insure their LS 460