Lexus LS 460 Insurance Rates

Average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive costs approximately $260 a year, collision insurance costs $400, and liability is estimated at $406. A policy with just liability insurance costs approximately $450 a year, and coverage for high-risk drivers costs around $2,588. Teenage drivers receive the highest rates at up to $4,508 a year.

Average premium for full coverage: $1,202

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why it is important to get quotes using their specific location, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows average Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $700
• Choosing higher $1,000 deductibles can save $1,052 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,202
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,490
• Unlucky drivers who are prone to accidents and violations could pay around $2,588
• The cost that insures a teen driver can cost $4,508 each year

Insurance rates for a Lexus LS 460 can also vary considerably based on the trim level of your LS 460, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can save as much as $440 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Lexus LS 460 Insurance

Saving money on car insurance takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the concepts that were covered above.

• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,390 more per year to insure a Lexus LS 460
• Drivers under the age of 20 are the costliest to insure, costing as high as $376 per month if comprehensive and collision insurance is included
• Drivers can save around $140 per year just by quoting early and online
• Increasing deductibles can save approximately $450 each year
• Drivers can save around $140 per year just by quoting early and online