Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,244 a year including full coverage. Comprehensive costs an estimated $266, collision costs $440, and liability insurance costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $2,692. Teenage drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,244

Policy rates broken down by type of insurance:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $718
• Using higher $1,000 deductibles will save approximately $160 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,244
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,556
• Drivers who are prone to accidents and violations could pay up to $2,692 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,662 or more

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could cut rates by as much as $480 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per 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 $1,500 to $2,000 extra every year, depending on your age. Lexus LS 460 insurance for high-risk drivers can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the 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 Cheap Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance requires being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the data that was presented in the illustrations above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Drivers who want higher levels of liability will pay an extra $440 per year to increase from a 30/60 limit to 250/500 limits
• Teenage drivers are charged the highest rates, with premiums being up to $389 each month for full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,450 more annually for auto insurance