Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,202 a year with full coverage. Comprehensive insurance costs on average $260, collision insurance costs $400, and liability is $406. Liability-only coverage costs around $450 a year, and high-risk coverage costs $2,588 or more. Teens pay the most at up to $4,508 a year.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below details average Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save around $150 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,202
• Selecting more expensive low deductibles will cost an extra $288 annually
• Drivers with serious driving violations could pay upwards of $2,588
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $4,508

Insurance prices for a Lexus LS 460 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

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 Affordable Lexus LS 460 Insurance

Finding better rates on insurance for a Lexus LS 460 consists of avoiding accidents and claims, maintaining good credit, being claim-free, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief review of the information illustrated above.

• You may be able to save as much as $140 per year just by shopping early and online
• Drivers under the age of 20 pay the highest prices, possibly costing $376 per month for full coverage
• Increasing policy deductibles can save around $450 each year
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,390 more each year to insure a Lexus LS 460
• Insureds who require increased liability limits will pay approximately $450 every year to raise from 30/60 bodily injury limits to 250/500 limits