Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year including full coverage. Comprehensive costs approximately $260, collision costs $400, and liability is estimated at $406. Liability-only coverage costs approximately $450 a year, with high-risk coverage costing around $2,588. Teenage 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 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why everyone should get quotes using their specific location, 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 breaks down estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $700
• Choosing higher $1,000 deductibles can save $150 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,202
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,490
• Higher-risk drivers who are prone to accidents and violations could pay around $2,588 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,508 each year

Insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Lexus LS 460 insurance for high-risk drivers ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 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 $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles can save as much as $440 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the 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 takes avoiding accidents and claims, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a recap of the information covered above.

• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are expensive to insure, with the cost nearing $376 per month if full coverage is included
• Increasing policy deductibles can save approximately $450 each year
• Drivers considered higher risk that have major violations or accidents will likely pay on average $1,390 more per year to insure a Lexus LS 460
• Insureds who purchase increased liability limits will pay an extra $450 per year to raise limits from 30/60 bodily injury limits to the 250/500 level