Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,244 a year with full coverage. Comprehensive costs an estimated $266 each year, collision insurance costs $440, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $2,692. Teenage drivers pay the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,244

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and LS 460 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why all drivers should compare prices for a targeted area, instead of using average rates.

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

Additional Rate Details

The chart below details average Lexus LS 460 insurance rates for other coverage scenarios.

• The best discount rate is $718
• Using higher $1,000 deductibles will save approximately $160 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,244
• Using low deductibles for physical damage coverage bumps up the cost to $1,556
• Drivers who are prone to accidents and violations could pay up to $2,692
• The price that insures a teen driver can cost as much as $4,662 or more

Insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

The state you live in has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

Using high physical damage deductibles could cut prices by as much as $480 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

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 Find the Right Lexus LS 460 Insurance

Getting lower rates on car insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices at least once a year by requesting rates from direct companies, and also from insurance agencies where you live.

Below you'll find a quick rundown of the primary concepts that were touched on in this article.

• You may be able to save approximately $150 per year just by quoting online in advance
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,450 more annually than a low-risk driver
• Increasing physical damage deductibles can save approximately $475 each year
• Youthful drivers are charged the highest prices, costing up to $389 a month if full coverage is included