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 insurance costs $406. A liability-only policy costs as little as $450 a year, with high-risk insurance costing $2,588 or more. Teens 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 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical 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

Your location has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 and risk scenarios.

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay $1,052 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,202
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $288 a year
• High risk drivers with serious driving violations could pay around $2,588 or more
• The cost with full coverage for a teen driver can cost $4,508 a year

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 clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect 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 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $440 each 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 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay 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.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company calculates rates differently, so the 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 Lexus LS 460 insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The items below are a quick rundown of the data raised in the charts and tables above.

• Drivers who purchase more liability coverage will pay approximately $450 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save around $140 per year simply by quoting early and online
• Increasing deductibles could save up to $450 each year
• Teen drivers are expensive to insure, as much as $376 per month including comprehensive and collision insurance