Lexus LS 460 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 2, 2024
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Average insurance rates for a Lexus LS 460 are $1,202 a year including full coverage. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $400, and liability coverage is $406. Liability-only coverage costs around $450 a year, and high-risk coverage costs $2,588 or more. Teens receive the highest rates at up to $4,508 a year.
Average premium for full coverage: $1,202
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and LS 460 models.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $450 for liability-only coverage to a high rate of $2,588 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.
These examples highlight why all drivers should compare rates quotes for a targeted area, rather than using averaged prices.
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.
Additional Charts and Tables
The chart below breaks down average Lexus LS 460 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $700
- Raising to $1,000 deductibles will save approximately $150 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,202
- Selecting low deductibles will cost an additional $288 each year
- Unlucky drivers with serious driving violations could pay up to $2,588
- The cost that insures a teenage driver can cost as much as $4,508
Car insurance rates for a Lexus LS 460 can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $4,500 a year. View Rates by Age
Where you live also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$118 | -9.8% |
| Alaska | $920 | -$282 | -23.5% |
| Arizona | $996 | -$206 | -17.1% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,368 | $166 | 13.8% |
| Colorado | $1,146 | -$56 | -4.7% |
| Connecticut | $1,230 | $28 | 2.3% |
| Delaware | $1,358 | $156 | 13.0% |
| Florida | $1,500 | $298 | 24.8% |
| Georgia | $1,110 | -$92 | -7.7% |
| Hawaii | $864 | -$338 | -28.1% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $906 | -$296 | -24.6% |
| Iowa | $810 | -$392 | -32.6% |
| Kansas | $1,140 | -$62 | -5.2% |
| Kentucky | $1,638 | $436 | 36.3% |
| Louisiana | $1,776 | $574 | 47.8% |
| Maine | $740 | -$462 | -38.4% |
| Maryland | $990 | -$212 | -17.6% |
| Massachusetts | $958 | -$244 | -20.3% |
| Michigan | $2,082 | $880 | 73.2% |
| Minnesota | $1,006 | -$196 | -16.3% |
| Mississippi | $1,438 | $236 | 19.6% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,288 | $86 | 7.2% |
| Nebraska | $946 | -$256 | -21.3% |
| Nevada | $1,440 | $238 | 19.8% |
| New Hampshire | $864 | -$338 | -28.1% |
| New Jersey | $1,342 | $140 | 11.6% |
| New Mexico | $1,062 | -$140 | -11.6% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $692 | -$510 | -42.4% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,230 | $28 | 2.3% |
| Oregon | $1,100 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$58 | -4.8% |
| Rhode Island | $1,602 | $400 | 33.3% |
| South Carolina | $1,088 | -$114 | -9.5% |
| South Dakota | $1,012 | -$190 | -15.8% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,446 | $244 | 20.3% |
| Utah | $888 | -$314 | -26.1% |
| Vermont | $822 | -$380 | -31.6% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $926 | -$276 | -23.0% |
| West Virginia | $1,100 | -$102 | -8.5% |
| Wisconsin | $828 | -$374 | -31.1% |
| Wyoming | $1,070 | -$132 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $440 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 AWD 4-Dr | $1,202 | $100 |
| Lexus LS 460 L 4-Dr Sedan | $1,224 | $102 |
| Lexus LS 460 L AWD 4-Dr | $1,224 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2016 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2015 Lexus LS 460 | $288 | $474 | $402 | $1,300 |
| 2013 Lexus LS 460 | $260 | $400 | $406 | $1,202 |
| 2011 Lexus LS 460 | $228 | $332 | $402 | $1,098 |
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 Lexus LS 460 Insurance
Saving money on auto insurance consists of avoiding accidents and violations, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The list below is a brief recap of the coverage data covered in the above illustrations.
- You may be able to save approximately $140 per year just by quoting online in advance
- Increasing deductibles can save approximately $450 each year
- Teenagers have the highest car insurance rates, as much as $376 per month if full coverage is purchased
- Drivers who tend to receive serious violations could be charged and average of $1,390 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,508 |
| 20 | $2,740 |
| 30 | $1,246 |
| 40 | $1,202 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,490 |
| $250 | $1,358 |
| $500 | $1,202 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,305 |
| 100/300 | $1,407 |
| 250/500 | $1,671 |
| 100 CSL | $1,346 |
| 300 CSL | $1,569 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,424 |
| 20 | $4,364 |
| 30 | $2,638 |
| 40 | $2,588 |
| 50 | $2,468 |
| 60 | $2,442 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $52 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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