Lexus LS 460 Insurance Rates

Estimated auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision costs $400, and liability costs $406. Liability-only coverage costs as little as $450 a year, with high-risk coverage 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:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay around $1,052 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,202
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $288 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,588 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,508 a year

Insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your risk profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, 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

Choosing high deductibles could save up to $440 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,620 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy Cheap Lexus LS 460 Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to compare rates at every other renewal by getting price quotes from direct insurance companies, and also from local exclusive and independent agents.

Below you'll find a brief summary of the concepts that were presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,390 more each year than a low-risk driver
• Youthful drivers pay the highest prices, with premiums being up to $376 per month including comprehensive and collision insurance
• It is possible to save as much as $140 per year simply by quoting early and online
• Increasing policy deductibles could save up to $450 each year
• It is possible to save as much as $140 per year simply by quoting early and online