Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year for full coverage insurance. Comprehensive costs around $260 a year, collision insurance costs $400, and liability insurance costs $406. A liability-only policy costs as little as $450 a year, and high-risk insurance costs around $2,588. Teens pay the most at up to $4,508 a year.

Average premium for full coverage: $1,202

Premium estimates for type of coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist 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 has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $1,052 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,202
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,490
• High risk drivers with serious driving violations could pay at least $2,588
• An auto insurance policy that insures a teen driver can be $4,508 a year

Auto insurance prices for a Lexus LS 460 also have a wide range based on the trim level of your LS 460, your age and driving record, and deductibles and policy limits.

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

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,500 a year. View Rates by Age

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 $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

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

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 Affordable Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance not only requires being a low-risk driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at least every other year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a brief review of the car insurance concepts illustrated above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,390 more every year to insure their LS 460
• It is possible to save up to $140 per year just by quoting early and online
• Increasing policy deductibles can save approximately $450 each year
• Drivers who may need more liability coverage will pay approximately $450 annually to go from 30/60 bodily injury limits to the 250/500 level