Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,202 annually including full coverage. Comprehensive insurance costs on average $260 each year, collision costs $400, and liability costs $406. Liability-only coverage costs as little as $450 a year, with high-risk coverage costing $2,588 or more. Teenage drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The ranges above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $150 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,202
• Using low deductibles for comprehensive and collision insurance costs an additional $288 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,588 or more
• The price with full coverage for a 16-year-old driver may cost $4,508 a year

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and quoted 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 Affordable Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the data touched on above.

• Insureds who require higher liability limits will pay an extra $450 per year to go from a low limit to higher 250/500 limits
• You may be able to save as much as $140 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $450 each year
• Teenagers are charged the highest prices, possibly costing $376 a month if full coverage is included