Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year including full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $400, and liability insurance is $406. Liability-only insurance costs around $450 a year, and high-risk driver insurance costs $2,588 or more. Teens pay the most at up to $4,508 a year.

Average premium for full coverage: $1,202

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Lexus LS 460 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save approximately $150 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,202
• Selecting more expensive low deductibles will cost an extra $288 a year
• Higher-risk drivers with serious driving violations could pay up to $2,588
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,508

Insurance prices for a Lexus LS 460 also have a wide range based on your driving characteristics, the model of your LS 460, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

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 the Best Cheap Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance consists of being a good driver, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the data that was covered in the above illustrations.

• You may be able to save approximately $140 per year just by shopping early and online
• Drivers who want an increased level of liability coverage will pay approximately $450 per year to raise from 30/60 bodily injury limits to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $376 per month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,390 more annually than a safer driver