Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,244 a year with full coverage. Comprehensive costs on average $266, collision costs $440, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $2,692. 16-year-old drivers pay the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,244

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all LS 460 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.

The example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why everyone should compare prices based on a specific location 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 details estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $718
• Using higher $1,000 deductibles will save around $160 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,244
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,556
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,692 or more
• The price for full coverage for a 16-year-old driver for full coverage may cost $4,662 or more

Insurance prices for a Lexus LS 460 are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,680 on average in Florida, Michigan, and New York.

Opting for high physical damage deductibles could cut prices by as much as $480 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 additional each year, depending on your age. Lexus LS 460 insurance for high-risk drivers can be from 43% to 134% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite 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 More Affordable Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

Below is a summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,450 more each year for auto insurance
• Teenage drivers pay higher prices, costing up to $389 a month including comprehensive and collision insurance
• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $475 each year
• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date