Lexus LS 460 Insurance Rates

Estimated auto insurance rates for a Lexus LS 460 are $1,244 annually for full coverage. Comprehensive costs on average $266 a year, collision insurance costs $440, and liability coverage is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs around $2,692. Teenage drivers pay the most at up to $4,662 a year.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

These rate differences show why it is important to get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $718
• Choosing higher $1,000 deductibles can save around $1,084 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,244
• Using low $100 deductibles for comp and collision coverage will cost $1,556
• Drivers who are prone to accidents and violations could pay upwards of $2,692
• An auto insurance policy with full coverage for a teenage driver may cost $4,662 each year

Car insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus LS 460 insurance rates. A good driver about age 40 could pay 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.

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 Buy the Best Cheap Lexus LS 460 Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct carriers, and also from local insurance agents.

Below is a quick review of the material that was illustrated above.

• Consumers who require higher levels of liability will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenage drivers are expensive to insure, as much as $389 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,450 more each year for auto insurance
• Increasing policy deductibles could save up to $475 each year