Lexus LS 460 Insurance Rates

Average insurance prices for a Lexus LS 460 are $1,202 every 12 months for full coverage. Comprehensive costs on average $260, collision costs $400, and liability is estimated at $406. Buying just liability costs approximately $450 a year, with insurance for high-risk drivers costing around $2,588. 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:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different LS 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine car insurance rates.

These examples show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save around $150 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,202
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,490
• Unlucky drivers with serious driving violations could pay upwards of $2,588 or more
• The cost to insure a teen driver with full coverage may cost $4,508 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $366 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Where you 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 $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

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 Cheap Lexus LS 460 Insurance

Saving money on car insurance takes being a good driver, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,390 more each year than a safer driver
• Drivers can save as much as $140 per year simply by shopping early and online
• Increasing deductibles could save as much as $450 each year
• Policyholders who require an increased level of liability coverage will pay approximately $450 each year to raise limits from a minimum limit to a 250/500 level