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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U.S. average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $400, and liability insurance costs $406. Buying just liability costs as little as $450 a year, and insurance for high-risk drivers costs $2,588 or more. Teen drivers pay the highest rates at up to $4,508 a year.
Average premium for full coverage: $1,202
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different LS 460 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus LS 460 insurance prices range from the low end price of $450 for just liability insurance to a much higher rate of $2,588 for a high-risk driver policy.
Geographic Price Range
Your location has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price averages.
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.
More Rate Details
The chart below shows average Lexus LS 460 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $700
- Drivers who choose higher $1,000 deductibles will pay approximately $150 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,202
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $288 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,588
- The price that insures a teen driver with full coverage can cost as much as $4,508 a year
Insurance prices for a Lexus LS 460 are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age
The state you live in makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,710 on average in New York, Louisiana, 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 high deductibles could save up to $440 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more each year. 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 Affordable Lexus LS 460 Insurance
Getting lower rates on Lexus LS 460 insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
Below you'll find a brief review of the information raised in the charts and tables above.
- Drivers can save approximately $140 per year just by shopping early and online
- Youthful drivers are expensive to insure, with premiums as much as $376 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $450 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,390 more annually than a low-risk driver
- Drivers who want more liability protection will pay about $450 each year to go from a low limit to the 250/500 level
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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