Lexus LS 460 Insurance Rates

Estimated auto insurance rates for a Lexus LS 460 are $1,202 annually including full coverage. Comprehensive costs around $260 a year, collision costs $400, and liability insurance costs $406. A policy with only liability insurance costs as little as $450 a year, with a high-risk policy costing around $2,588. Teen drivers pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates for type of coverage:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $1,052 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,202
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,490
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,588 or more
• An auto insurance policy with full coverage for a teen driver can be $4,508 a year

Car insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could 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 will be charged as much as $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $440 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, so rate quotes 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 Low Cost Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Make time to compare rates once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the data that was touched on in this article.

• You may be able to save up to $140 per year simply by quoting early and online
• Drivers who may need increased levels of liability coverage will pay about $450 per year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, with the cost nearing $376 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,390 more every year to buy Lexus LS 460 insurance