Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive insurance costs on average $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 $2,588 or more. Teen drivers pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save around $150 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,202
• Choosing low deductibles for physical damage coverage will cost an additional $288 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,588 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,508 or more

Insurance prices for a Lexus LS 460 also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.

Choosing high deductibles could cut prices by as much as $440 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and 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 the Cheapest Lexus LS 460 Insurance

Finding better rates on insurance for a Lexus LS 460 requires being a low-risk driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around at least every other year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,390 more each year to insure their LS 460
• Drivers can save as much as $140 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $450 each year
• Insureds who require more liability coverage will pay about $450 each year to increase from 30/60 bodily injury limits to the 250/500 level