Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage insurance. Comprehensive insurance costs around $260 a year, collision costs $400, and liability costs $406. A policy with just liability insurance costs as little as $450 a year, with coverage for high-risk drivers 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 for individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above illustrate why it is important to compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $1,052 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,202
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $288 annually
• Drivers with serious driving violations could pay at least $2,588 or more
• The price that insures a 16-year-old driver can be $4,508 a year

Insurance prices for a Lexus LS 460 are also quite variable based on the trim level of your LS 460, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age

The state you live in makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles could save up to $440 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every company calculates prices differently, so the prices may be quite different.

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 Low Cost Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 not only requires being a good driver, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a review of the data illustrated above.

• Insureds who may need an increased level of liability coverage will pay approximately $450 annually to go from a low limit to the 250/500 level
• It is possible to save up to $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers age 16 to 20 pay higher prices, as much as $376 a month if full coverage is included