Lexus LS 460 Insurance Rates

Average insurance rates for a Lexus LS 460 are $1,300 a year for full coverage insurance. Comprehensive costs an estimated $288 a year, collision costs $474, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $2,808. 16-year-old drivers receive the highest rates at $4,826 a year or more.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how rural and urban location affects insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate 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 other coverage scenarios.

• The best full coverage rate is $748
• Raising to $1,000 deductibles will save approximately $1,126 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,300
• Buying low $100 deductibles will increase the cost to $1,634
• Drivers with multiple tickets or accidents could pay up to $2,808 or more
• The cost for full coverage for a 16-year-old driver can cost as much as $4,826

Insurance rates for a Lexus LS 460 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,800 a year. View Rates by Age

Where you live also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,750 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles can reduce rates by up to $510 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.

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 Cheap Lexus LS 460 Insurance

Saving money on insurance for a Lexus LS 460 consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief summary of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,510 more annually for LS 460 insurance
• Teens are expensive to insure, costing up to $402 per month including comprehensive and collision insurance
• It is possible to save approximately $160 per year simply by quoting early and online
• Increasing deductibles can save around $500 each year
• It is possible to save approximately $160 per year simply by quoting early and online