Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage. Comprehensive insurance costs approximately $260, collision costs $400, and liability insurance costs around $406. Liability-only insurance costs as low as $450 a year, with high-risk driver insurance costing $2,588 or more. Teens pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all LS 460 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save $150 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,202
• Selecting pricier low deductibles for physical damage coverage costs an additional $288 a year
• Drivers with serious driving violations could pay around $2,588 or more
• The price with full coverage for a teen driver for full coverage can cost $4,508 or more

Car insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Lexus LS 460 insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,710 on average in New York, Louisiana, and Michigan.

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy Cheaper Lexus LS 460 Insurance

Getting lower rates on Lexus LS 460 insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a condensed summary of the information covered in the charts and tables above.

• Drivers can save around $140 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 pay the highest auto insurance prices, with premiums as much as $376 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $450 each year
• High-risk drivers with multiple at-fault accidents pay on average $1,390 more per year to insure a Lexus LS 460
• Drivers who purchase increased liability limits will pay approximately $450 each year to increase from a low limit to higher 250/500 limits