Lexus LS 460 Insurance Rates

Average insurance prices for a Lexus LS 460 are $1,202 every 12 months for full coverage insurance. Comprehensive costs on average $260, collision costs $400, and liability costs $406. Liability-only coverage costs as little as $450 a year, with high-risk coverage costing around $2,588. 16-year-old drivers receive the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all LS 460 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities.

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

These examples illustrate why everyone should compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $150 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,202
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,490
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,588 or more
• The cost to insure a teen driver for full coverage may cost $4,508 a year

Car insurance rates for a Lexus LS 460 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your LS 460.

Opting for high physical damage deductibles could save up to $440 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, so rate quotes can be significantly different.

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 Shop for Cheaper Lexus LS 460 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the data that was covered in the charts and tables above.

• It is possible to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Policyholders who require more liability protection will pay around $450 annually to go from a minimum limit to a 250/500 level
• Youthful drivers are expensive to insure, costing up to $376 per month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents pay on average $1,390 more each year than a low-risk driver