Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,202 every 12 months for full coverage insurance. Comprehensive costs an estimated $260, collision costs $400, and liability coverage is $406. Buying just liability costs around $450 a year, with insurance for high-risk drivers costing around $2,588. Teen drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using price averages.

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

More Rate Details

The chart below illustrates estimated Lexus LS 460 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save approximately $150 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,202
• Choosing pricier low deductibles increases the price to $1,490
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,588 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $4,508

Insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $440 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. Lexus LS 460 insurance for high-risk drivers is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,620 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates will be varied.

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

Finding cheaper rates on auto insurance consists of being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a brief summary of the concepts that were illustrated above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,390 more annually to insure their LS 460
• Teen drivers are charged the highest rates, possibly costing $376 each month if they have full coverage
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date