Lexus LS 460 Insurance Rates

Average insurance prices for a Lexus LS 460 are $1,244 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $266 a year, collision costs $440, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,692 or more. Teenage drivers receive the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,244

Rate estimates broken down by individual coverage type:

Includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus LS 460 insurance rates for other coverage scenarios.

• The best discount rate is $718
• Raising to $1,000 deductibles will save approximately $1,084 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,244
• Using low $100 deductibles costs an extra $312 annually
• Drivers who are prone to accidents and violations could pay up to $2,692 or more
• The cost to insure a 16-year-old driver can cost as much as $4,662

Car insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $480 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find rates as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,680 on average in Florida, New York, and Michigan.

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 Shop for the Cheapest Lexus LS 460 Insurance

Saving money on insurance for a Lexus LS 460 consists of having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

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

• Insureds who want increased levels of liability coverage will pay an extra $440 annually to raise from a minimum limit to a 250/500 level
• Drivers age 20 and younger have the highest car insurance rates, costing up to $389 per month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,450 more annually to buy Lexus LS 460 insurance
• Increasing deductibles could save as much as $475 each year