Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year including full coverage. Comprehensive insurance costs around $260 each year, collision costs $400, and liability costs $406. Liability-only insurance costs as little as $450 a year, with high-risk driver insurance costing $2,588 or more. Teen drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and risk profile, instead of using price averages.

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

Additional Rate Information

The chart below breaks down estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $150 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,202
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $288 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,588 or more
• Policy cost for full coverage for a teen driver can be $4,508 a year

Auto insurance rates for a Lexus LS 460 also range considerably based on your risk profile, the model of your LS 460, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could save up to $440 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $366 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied from one company to the next.

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 Affordable Lexus LS 460 Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief review of the information touched on in the above illustrations.

• You may be able to save up to $140 per year simply by quoting online in advance
• Drivers age 20 and younger are expensive to insure, with premiums being up to $376 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $450 each year
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,390 more every year to buy Lexus LS 460 insurance
• Policyholders who may need increased levels of liability coverage will pay about $450 per year to go from a 30/60 limit to 250/500 limits