Lexus LS 460 Insurance Rates

Average auto insurance rates for a Lexus LS 460 are $1,244 annually including full coverage. Comprehensive costs approximately $266, collision costs $440, and liability costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,692. Teenage drivers receive the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all LS 460 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why everyone should compare rates using their 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.

Rates by State, City, and Model

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

• The best discount rate is $718
• Drivers who choose higher $1,000 deductibles will pay $160 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,244
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,556
• Drivers who are prone to accidents and violations could pay around $2,692 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $4,662 a year

Auto insurance rates for a Lexus LS 460 can also vary considerably based on the trim level of your LS 460, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates can be significantly 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

Saving money on insurance for a Lexus LS 460 not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

Below is a recap of the ideas that were raised in the charts and tables above.

• Teenage drivers have the highest car insurance rates, as much as $389 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,450 more per year for auto insurance
• Increasing deductibles could save up to $475 each year
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date