Lexus LS 460 Insurance Rates

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2011 Lexus LS 460 Insurance Quotes in 2025

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UPDATED: May 2, 2024

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

Average premium for full coverage: $1,244

Policy rates for type of insurance:

Comprehensive $266
Collision $440
Liability $402

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and LS 460 models.

Price Range Variability

For the normal driver, Lexus LS 460 insurance rates go from the low end price of $446 for just liability coverage to a high rate of $2,692 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $1,244
High Risk $2,692

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

The examples above highlight why all drivers should compare rates quotes for a specific zip code, rather than relying on average rates.

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.

Detailed Rate Analysis

The chart below breaks down estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $718
  • Raising to $1,000 deductibles will save about $160 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,244
  • Using low deductibles will cost an additional $312 a year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,692 or more
  • Policy cost that insures a teen driver can be $4,662

Insurance rates for a Lexus LS 460 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision 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 teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Your home state also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

Lexus LS 460 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,124 -$120 -9.6%
Alaska $954 -$290 -23.3%
Arizona $1,034 -$210 -16.9%
Arkansas $1,244 -$0 0.0%
California $1,418 $174 14.0%
Colorado $1,186 -$58 -4.7%
Connecticut $1,278 $34 2.7%
Delaware $1,406 $162 13.0%
Florida $1,554 $310 24.9%
Georgia $1,150 -$94 -7.6%
Hawaii $894 -$350 -28.1%
Idaho $842 -$402 -32.3%
Illinois $926 -$318 -25.6%
Indiana $938 -$306 -24.6%
Iowa $840 -$404 -32.5%
Kansas $1,182 -$62 -5.0%
Kentucky $1,698 $454 36.5%
Louisiana $1,842 $598 48.1%
Maine $768 -$476 -38.3%
Maryland $1,028 -$216 -17.4%
Massachusetts $994 -$250 -20.1%
Michigan $2,162 $918 73.8%
Minnesota $1,042 -$202 -16.2%
Mississippi $1,492 $248 19.9%
Missouri $1,104 -$140 -11.3%
Montana $1,336 $92 7.4%
Nebraska $980 -$264 -21.2%
Nevada $1,492 $248 19.9%
New Hampshire $898 -$346 -27.8%
New Jersey $1,392 $148 11.9%
New Mexico $1,100 -$144 -11.6%
New York $1,310 $66 5.3%
North Carolina $718 -$526 -42.3%
North Dakota $1,020 -$224 -18.0%
Ohio $858 -$386 -31.0%
Oklahoma $1,276 $32 2.6%
Oregon $1,140 -$104 -8.4%
Pennsylvania $1,186 -$58 -4.7%
Rhode Island $1,660 $416 33.4%
South Carolina $1,130 -$114 -9.2%
South Dakota $1,050 -$194 -15.6%
Tennessee $1,090 -$154 -12.4%
Texas $1,500 $256 20.6%
Utah $922 -$322 -25.9%
Vermont $850 -$394 -31.7%
Virginia $746 -$498 -40.0%
Washington $960 -$284 -22.8%
West Virginia $1,140 -$104 -8.4%
Wisconsin $858 -$386 -31.0%
Wyoming $1,108 -$136 -10.9%

Using high physical damage deductibles can reduce rates by up to $480 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Lexus LS 460 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus LS 460 4-Dr Sedan $1,220 $102
Lexus LS 460 4-Dr Sedan $1,220 $102
Lexus LS 460 AWD 4-Dr $1,244 $104
Lexus LS 460 L 4-Dr Sedan $1,268 $106
Lexus LS 460 L AWD 4-Dr $1,268 $106

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.

Lexus LS 460 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Lexus LS 460 $328 $590 $390 $1,444
2016 Lexus LS 460 $306 $542 $390 $1,374
2015 Lexus LS 460 $296 $508 $394 $1,334
2013 Lexus LS 460 $266 $440 $402 $1,244
2011 Lexus LS 460 $242 $366 $402 $1,146

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 Find the Best Cheap Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices at every other renewal by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a quick review of the concepts that were presented in the illustrations above.

  • High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,450 more every year than a driver with a clean driving record
  • 16 to 18-year-old drivers pay higher rates, with premiums being up to $389 each month if full coverage is included
  • You may be able to save up to $150 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $475 each year
  • You may be able to save up to $150 per year simply by quoting online in advance

Rates by Driver Age

Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $4,662
20 $2,854
30 $1,292
40 $1,244
50 $1,138
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,412
$500 $1,244
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,244
50/100 $1,348
100/300 $1,449
250/500 $1,710
100 CSL $1,389
300 CSL $1,610
500 CSL $1,771

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $6,650
20 $4,548
30 $2,746
40 $2,692
50 $2,564
60 $2,540

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.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $55
Advance Quote $61
Online Quote $89
Total Discounts $526
Rate after discounts $718

Discounts are estimated and may not be available from every company or in every state.

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