Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,244 a year for full coverage. Comprehensive costs approximately $266 a year, collision costs $440, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,692. Teenage drivers pay the most at $4,662 a year or more.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences show why it is important to get quotes using their specific location, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $718
• Choosing higher $1,000 deductibles can save $1,084 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,244
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,556
• Unlucky drivers who are prone to accidents and violations could pay around $2,692 or more
• An auto insurance policy that insures a teen driver can cost $4,662 each year

Auto insurance prices for a Lexus LS 460 also have a wide range based on the trim level of your LS 460, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,780 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can save as much as $480 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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

Finding better rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

Below is a review of the material that was presented in the illustrations above.

• Policyholders who purchase higher levels of liability will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers have the highest car insurance prices, as much as $389 per month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,450 more per year for auto insurance
• Increasing policy deductibles can save approximately $475 each year