Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive costs around $260 each year, collision costs $400, and liability costs around $406. Liability-only insurance costs as low as $450 a year, with high-risk driver insurance costing around $2,588. Teen drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates for type of insurance:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. 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 the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save about $150 every year
• The average price for a good driver age 40 using $500 deductibles is $1,202
• Choosing low deductibles for physical damage coverage increases the price to $1,490
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,588 or more
• Policy cost to insure a 16-year-old driver can be $4,508 or more

Auto insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $440 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $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 least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than average. 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 as much as $1,710 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 the Cheapest Lexus LS 460 Insurance

Finding cheaper rates on insurance for a Lexus LS 460 requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a recap of the data that was touched on above.

• You may be able to save up to $140 per year simply by quoting online in advance
• Insureds who may need higher liability limits will pay about $450 per year to increase from a 30/60 limit to a 250/500 level
• Teenagers are expensive to insure, with premiums being up to $376 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,390 more every year for car insurance