Lexus LS 460 Insurance Rates

Average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage insurance. Comprehensive costs on average $260, collision costs $400, and liability insurance costs $406. Liability-only coverage costs as little as $450 a year, with high-risk coverage costing around $2,588. 16-year-old drivers receive the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities.

The price range example below illustrates how location impacts car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $150 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,202
• Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,490
• High risk drivers with multiple tickets or accidents could pay upwards of $2,588 or more
• The cost with full coverage for a teen driver with full coverage may cost $4,508 a year

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $440 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit

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

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so rate quotes can be significantly 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 Cheaper Lexus LS 460 Insurance

Saving money on Lexus LS 460 insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

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

• Drivers who require increased levels of liability coverage will pay around $450 annually to go from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $376 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,390 more each year to buy Lexus LS 460 insurance
• Increasing deductibles could save up to $450 each year