Lexus LS 460 Insurance Rates

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2011 Lexus LS 460 Insurance Quotes in 2025

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UPDATED: May 2, 2024

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The average insurance prices for a Lexus LS 460 are $1,244 every 12 months for full coverage. Comprehensive costs on average $266 a year, collision costs $440, and liability insurance is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing around $2,692. Teenage drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Comprehensive $266
Collision $440
Liability $402

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and LS 460 trim levels.

Price Range Variability

For an average driver, Lexus LS 460 insurance rates go from the cheapest price of $446 for your basic liability-only policy to a high of $2,692 for a high-risk driver policy.

Liability Only $446
Full Coverage $1,244
High Risk $2,692

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

The examples above show why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

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

  • The best discount rate is $718
  • Raising to $1,000 deductibles will save around $1,084 a year
  • The average price for a good driver age 40 with $500 deductibles is $1,244
  • Using low $100 deductibles increases the price to $1,556
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,692 or more
  • Policy cost to insure a teen driver may cost $4,662

Auto insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your LS 460.

Using high physical damage deductibles can reduce rates by up to $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

Lexus LS 460 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,124 -$120 -9.6%
Alaska $954 -$290 -23.3%
Arizona $1,034 -$210 -16.9%
Arkansas $1,244 -$0 0.0%
California $1,418 $174 14.0%
Colorado $1,186 -$58 -4.7%
Connecticut $1,278 $34 2.7%
Delaware $1,406 $162 13.0%
Florida $1,554 $310 24.9%
Georgia $1,150 -$94 -7.6%
Hawaii $894 -$350 -28.1%
Idaho $842 -$402 -32.3%
Illinois $926 -$318 -25.6%
Indiana $938 -$306 -24.6%
Iowa $840 -$404 -32.5%
Kansas $1,182 -$62 -5.0%
Kentucky $1,698 $454 36.5%
Louisiana $1,842 $598 48.1%
Maine $768 -$476 -38.3%
Maryland $1,028 -$216 -17.4%
Massachusetts $994 -$250 -20.1%
Michigan $2,162 $918 73.8%
Minnesota $1,042 -$202 -16.2%
Mississippi $1,492 $248 19.9%
Missouri $1,104 -$140 -11.3%
Montana $1,336 $92 7.4%
Nebraska $980 -$264 -21.2%
Nevada $1,492 $248 19.9%
New Hampshire $898 -$346 -27.8%
New Jersey $1,392 $148 11.9%
New Mexico $1,100 -$144 -11.6%
New York $1,310 $66 5.3%
North Carolina $718 -$526 -42.3%
North Dakota $1,020 -$224 -18.0%
Ohio $858 -$386 -31.0%
Oklahoma $1,276 $32 2.6%
Oregon $1,140 -$104 -8.4%
Pennsylvania $1,186 -$58 -4.7%
Rhode Island $1,660 $416 33.4%
South Carolina $1,130 -$114 -9.2%
South Dakota $1,050 -$194 -15.6%
Tennessee $1,090 -$154 -12.4%
Texas $1,500 $256 20.6%
Utah $922 -$322 -25.9%
Vermont $850 -$394 -31.7%
Virginia $746 -$498 -40.0%
Washington $960 -$284 -22.8%
West Virginia $1,140 -$104 -8.4%
Wisconsin $858 -$386 -31.0%
Wyoming $1,108 -$136 -10.9%

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Lexus LS 460 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus LS 460 4-Dr Sedan $1,220 $102
Lexus LS 460 4-Dr Sedan $1,220 $102
Lexus LS 460 AWD 4-Dr $1,244 $104
Lexus LS 460 L 4-Dr Sedan $1,268 $106
Lexus LS 460 L AWD 4-Dr $1,268 $106

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.

Lexus LS 460 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Lexus LS 460 $328 $590 $390 $1,444
2016 Lexus LS 460 $306 $542 $390 $1,374
2015 Lexus LS 460 $296 $508 $394 $1,334
2013 Lexus LS 460 $266 $440 $402 $1,244
2011 Lexus LS 460 $242 $366 $402 $1,146

Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every time your policy renews by quoting rates from direct carriers, and also from local independent and exclusive agents.

Below is a condensed summary of the information covered in the above illustrations.

  • Drivers can save as much as $150 per year simply by quoting early and online
  • Teenage drivers are charged the highest rates, costing up to $389 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • High-risk drivers with multiple at-fault accidents pay an average of $1,450 more each year for auto insurance
  • Drivers who require higher levels of liability will pay an extra $440 each year to raise from a 30/60 limit to a 250/500 level

Rates by Driver Age

Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $4,662
20 $2,854
30 $1,292
40 $1,244
50 $1,138
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,412
$500 $1,244
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,244
50/100 $1,348
100/300 $1,449
250/500 $1,710
100 CSL $1,389
300 CSL $1,610
500 CSL $1,771

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $6,650
20 $4,548
30 $2,746
40 $2,692
50 $2,564
60 $2,540

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $55
Advance Quote $61
Online Quote $89
Total Discounts $526
Rate after discounts $718

Discounts are estimated and may not be available from every company or in every state.

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