Lexus LS 460 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 2, 2024
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Average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive costs an estimated $260, collision insurance costs $400, and liability insurance is estimated at $406. Liability-only coverage costs approximately $450 a year, and high-risk coverage costs around $2,588. 16-year-old drivers receive the highest rates at up to $4,508 a year.
Average premium for full coverage: $1,202
Rate estimates broken down by individual coverage type:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all LS 460 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $450 for a discount liability-only rate to the much higher price of $2,588 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.
These examples highlight why everyone should get quotes for a targeted area and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down average Lexus LS 460 insurance rates for other coverage scenarios.
- The best full coverage rate is $700
- Choosing higher $1,000 deductibles can save approximately $150 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,202
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,490
- High-risk insureds with multiple tickets or accidents could pay up to $2,588
- The cost to insure a teen driver for full coverage can cost as much as $4,508 each year
Car insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $440 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. Lexus LS 460 insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Lexus LS 460 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$118 | -9.8% |
| Alaska | $920 | -$282 | -23.5% |
| Arizona | $996 | -$206 | -17.1% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,368 | $166 | 13.8% |
| Colorado | $1,146 | -$56 | -4.7% |
| Connecticut | $1,230 | $28 | 2.3% |
| Delaware | $1,358 | $156 | 13.0% |
| Florida | $1,500 | $298 | 24.8% |
| Georgia | $1,110 | -$92 | -7.7% |
| Hawaii | $864 | -$338 | -28.1% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $906 | -$296 | -24.6% |
| Iowa | $810 | -$392 | -32.6% |
| Kansas | $1,140 | -$62 | -5.2% |
| Kentucky | $1,638 | $436 | 36.3% |
| Louisiana | $1,776 | $574 | 47.8% |
| Maine | $740 | -$462 | -38.4% |
| Maryland | $990 | -$212 | -17.6% |
| Massachusetts | $958 | -$244 | -20.3% |
| Michigan | $2,082 | $880 | 73.2% |
| Minnesota | $1,006 | -$196 | -16.3% |
| Mississippi | $1,438 | $236 | 19.6% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,288 | $86 | 7.2% |
| Nebraska | $946 | -$256 | -21.3% |
| Nevada | $1,440 | $238 | 19.8% |
| New Hampshire | $864 | -$338 | -28.1% |
| New Jersey | $1,342 | $140 | 11.6% |
| New Mexico | $1,062 | -$140 | -11.6% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $692 | -$510 | -42.4% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,230 | $28 | 2.3% |
| Oregon | $1,100 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$58 | -4.8% |
| Rhode Island | $1,602 | $400 | 33.3% |
| South Carolina | $1,088 | -$114 | -9.5% |
| South Dakota | $1,012 | -$190 | -15.8% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,446 | $244 | 20.3% |
| Utah | $888 | -$314 | -26.1% |
| Vermont | $822 | -$380 | -31.6% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $926 | -$276 | -23.0% |
| West Virginia | $1,100 | -$102 | -8.5% |
| Wisconsin | $828 | -$374 | -31.1% |
| Wyoming | $1,070 | -$132 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 AWD 4-Dr | $1,202 | $100 |
| Lexus LS 460 L 4-Dr Sedan | $1,224 | $102 |
| Lexus LS 460 L AWD 4-Dr | $1,224 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2016 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2015 Lexus LS 460 | $288 | $474 | $402 | $1,300 |
| 2013 Lexus LS 460 | $260 | $400 | $406 | $1,202 |
| 2011 Lexus LS 460 | $228 | $332 | $402 | $1,098 |
Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Lexus LS 460 Insurance
Saving money on Lexus LS 460 insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
Below you'll find a review of the ideas that were touched on in this article.
- Youthful drivers have the highest car insurance rates, as much as $376 per month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations may have to pay on average $1,390 more annually than a low-risk driver
- Increasing deductibles could save as much as $450 each year
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,508 |
| 20 | $2,740 |
| 30 | $1,246 |
| 40 | $1,202 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,490 |
| $250 | $1,358 |
| $500 | $1,202 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,305 |
| 100/300 | $1,407 |
| 250/500 | $1,671 |
| 100 CSL | $1,346 |
| 300 CSL | $1,569 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,424 |
| 20 | $4,364 |
| 30 | $2,638 |
| 40 | $2,588 |
| 50 | $2,468 |
| 60 | $2,442 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $52 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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