Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,202 a year with full coverage. Comprehensive insurance costs approximately $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. Teen drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location and risk profile, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay $1,052 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,202
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $288 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,588 or more
• The price for full coverage for a teen driver can cost $4,508 a year

Insurance prices for a Lexus LS 460 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $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 $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,620 on average in New York, Michigan, and Florida.

Choosing high deductibles could save up to $440 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite 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 the Best Lexus LS 460 Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief recap of the material that was touched on above.

• Policyholders who purchase increased levels of liability coverage will pay about $450 every year to go from a low limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $376 a month for full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,390 more per year to buy Lexus LS 460 insurance
• Increasing physical damage deductibles can save around $450 each year