Lexus LS 460 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 2, 2024
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Estimated auto insurance rates for a Lexus LS 460 are $1,202 annually including full coverage. Comprehensive costs on average $260, collision insurance costs $400, and liability is estimated at $406. A liability-only policy costs approximately $450 a year, and high-risk insurance costs around $2,588. Teen drivers pay the most at up to $4,508 a year.
Average premium for full coverage: $1,202
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different LS 460 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus LS 460 range from as cheap as $450 for just liability insurance to a much higher rate of $2,588 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.
These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average Lexus LS 460 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $700
- Choosing higher $1,000 deductibles can save around $150 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,202
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,490
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,588
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,508 each year
Auto insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driving characteristics, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance ranges from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $440 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 extra every year. View Rates by Deductible or Liability Limit
Where you choose to 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 $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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$118 | -9.8% |
| Alaska | $920 | -$282 | -23.5% |
| Arizona | $996 | -$206 | -17.1% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,368 | $166 | 13.8% |
| Colorado | $1,146 | -$56 | -4.7% |
| Connecticut | $1,230 | $28 | 2.3% |
| Delaware | $1,358 | $156 | 13.0% |
| Florida | $1,500 | $298 | 24.8% |
| Georgia | $1,110 | -$92 | -7.7% |
| Hawaii | $864 | -$338 | -28.1% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $906 | -$296 | -24.6% |
| Iowa | $810 | -$392 | -32.6% |
| Kansas | $1,140 | -$62 | -5.2% |
| Kentucky | $1,638 | $436 | 36.3% |
| Louisiana | $1,776 | $574 | 47.8% |
| Maine | $740 | -$462 | -38.4% |
| Maryland | $990 | -$212 | -17.6% |
| Massachusetts | $958 | -$244 | -20.3% |
| Michigan | $2,082 | $880 | 73.2% |
| Minnesota | $1,006 | -$196 | -16.3% |
| Mississippi | $1,438 | $236 | 19.6% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,288 | $86 | 7.2% |
| Nebraska | $946 | -$256 | -21.3% |
| Nevada | $1,440 | $238 | 19.8% |
| New Hampshire | $864 | -$338 | -28.1% |
| New Jersey | $1,342 | $140 | 11.6% |
| New Mexico | $1,062 | -$140 | -11.6% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $692 | -$510 | -42.4% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,230 | $28 | 2.3% |
| Oregon | $1,100 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$58 | -4.8% |
| Rhode Island | $1,602 | $400 | 33.3% |
| South Carolina | $1,088 | -$114 | -9.5% |
| South Dakota | $1,012 | -$190 | -15.8% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,446 | $244 | 20.3% |
| Utah | $888 | -$314 | -26.1% |
| Vermont | $822 | -$380 | -31.6% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $926 | -$276 | -23.0% |
| West Virginia | $1,100 | -$102 | -8.5% |
| Wisconsin | $828 | -$374 | -31.1% |
| Wyoming | $1,070 | -$132 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 AWD 4-Dr | $1,202 | $100 |
| Lexus LS 460 L 4-Dr Sedan | $1,224 | $102 |
| Lexus LS 460 L AWD 4-Dr | $1,224 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2016 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2015 Lexus LS 460 | $288 | $474 | $402 | $1,300 |
| 2013 Lexus LS 460 | $260 | $400 | $406 | $1,202 |
| 2011 Lexus LS 460 | $228 | $332 | $402 | $1,098 |
Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Lexus LS 460 Insurance
Finding better rates on insurance for a Lexus LS 460 takes being safe and accident-free, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Spend time shopping around at every other renewal by getting quotes from direct car insurance companies, and also from several local insurance agents.
Below you'll find a review of the concepts that were touched on above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,390 more each year than a low-risk driver
- Youthful drivers are charged the highest prices, with the cost nearing $376 per month if full coverage is included
- You may be able to save as much as $140 per year just by shopping early and online
- Increasing policy deductibles could save up to $450 each year
- You may be able to save as much as $140 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,508 |
| 20 | $2,740 |
| 30 | $1,246 |
| 40 | $1,202 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,490 |
| $250 | $1,358 |
| $500 | $1,202 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,305 |
| 100/300 | $1,407 |
| 250/500 | $1,671 |
| 100 CSL | $1,346 |
| 300 CSL | $1,569 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,424 |
| 20 | $4,364 |
| 30 | $2,638 |
| 40 | $2,588 |
| 50 | $2,468 |
| 60 | $2,442 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $52 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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