Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,202 annually with 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. 16-year-old drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all LS 460 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have fewer collision claims than congested cities.

The example below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $700
• Choosing higher $1,000 deductibles can save around $150 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,202
• Buying pricier low deductibles for comp and collision coverage will cost $1,490
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,588 or more
• The price with full coverage for a 16-year-old driver for full coverage may cost $4,508 each year

Insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. Lexus LS 460 insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $440 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite 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 Cheapest Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a recap of the data that was touched on in the above illustrations.

• You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Insureds who require higher liability limits will pay around $450 every year to raise limits from a low limit to higher 250/500 limits
• Teenagers pay higher prices, costing up to $376 a month if they have full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,390 more each year for car insurance