Lexus LS 460 Insurance Rates

Average auto insurance rates for a Lexus LS 460 are $1,202 annually including full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $400, and liability costs around $406. Buying just liability costs as low as $450 a year, with insurance for high-risk drivers costing $2,588 or more. Teen 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:

Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save $1,052 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,202
• Choosing low $100 deductibles for physical damage coverage costs an additional $288 every year
• Drivers with multiple violations and an at-fault accident could pay around $2,588 or more
• The cost with full coverage for a teen driver can cost $4,508 or more

Auto insurance rates for a Lexus LS 460 can also vary considerably based on the trim level of your LS 460, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $366 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,710 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

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 Right Lexus LS 460 Insurance

Saving money on car insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The points below are a quick rundown of the material that was presented in the illustrations above.

• Policyholders who purchase increased liability limits will pay about $450 per year to increase from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 have the highest car insurance rates, as much as $376 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,390 more per year to insure a Lexus LS 460
• Increasing deductibles could save up to $450 each year