Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage insurance. Comprehensive costs an estimated $260 each year, collision insurance costs $400, and liability insurance is $406. Liability-only insurance costs around $450 a year, and high-risk driver insurance costs around $2,588. Teen drivers cost the most to insure at up to $4,508 a year.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below illustrates average 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 estimated price for a good driver age 40 who has $500 deductibles is $1,202
• Choosing low deductibles bumps up the cost to $1,490
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,588
• Policy cost that insures a teen driver can cost as much as $4,508

Auto insurance rates for a Lexus LS 460 also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,500 a year. View Rates by Age

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.

Choosing high deductibles can reduce rates by up to $440 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $366 extra every 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 Cheaper Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance consists of being a good driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Shop around every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the material that was illustrated above.

• Drivers who want an increased level of liability coverage will pay about $450 annually to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, possibly costing $376 each month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,390 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $450 each year