Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,244 every 12 months for full coverage. Comprehensive costs on average $266 a year, collision costs $440, and liability insurance is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance 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 by type of insurance:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.

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

More Rate Information

The chart below shows estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $718
• Raising to $1,000 deductibles will save around $1,084 a year
• The average price for a good driver age 40 with $500 deductibles is $1,244
• Using low $100 deductibles increases the price to $1,556
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,692 or more
• Policy cost to insure a teen driver may cost $4,662

Auto insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your LS 460.

Using high physical damage deductibles can reduce rates by up to $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for Cheaper Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every time your policy renews by quoting rates from direct carriers, and also from local independent and exclusive agents.

Below is a condensed summary of the information covered in the above illustrations.

• Drivers can save as much as $150 per year simply by quoting early and online
• Teenage drivers are charged the highest rates, costing up to $389 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• High-risk drivers with multiple at-fault accidents pay an average of $1,450 more each year for auto insurance
• Drivers who require higher levels of liability will pay an extra $440 each year to raise from a 30/60 limit to a 250/500 level