Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year with full coverage. Comprehensive costs on average $260, collision insurance costs $400, and liability costs $406. Liability-only insurance costs as little as $450 a year, and high-risk driver insurance costs around $2,588. Teenage drivers cost the most to insure at up to $4,508 a year.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $150 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,202
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,490
• Drivers who are prone to accidents and violations could pay upwards of $2,588
• Policy cost that insures a 16-year-old driver for full coverage may cost $4,508 a year

Auto insurance rates for a Lexus LS 460 also range considerably based on the model of your LS 460, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

Using high physical damage deductibles could save up to $440 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by 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 the Right Lexus LS 460 Insurance

Finding cheaper rates on insurance for a Lexus LS 460 not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every time your policy renews by obtaining price quotes from direct companies, and also from several local insurance agents.

The next list is a quick rundown of the information covered above.

• You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are charged the highest rates, as much as $376 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,390 more each year to buy Lexus LS 460 insurance
• Insureds who require increased levels of liability coverage will pay an extra $450 every year to go from a 30/60 limit to the 250/500 level