Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,202 a year with full coverage. Comprehensive insurance costs approximately $260, collision costs $400, and liability insurance costs around $406. Buying just liability costs as low as $450 a year, with insurance for high-risk drivers costing $2,588 or more. Teen drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below details estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save $150 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,202
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $288 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,588 or more
• The price for full coverage for a teen driver with full coverage can cost $4,508 or more

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

An older driver with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,620 on average in New York, Michigan, and Florida.

Choosing high deductibles could cut prices by as much as $440 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

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 More Affordable Lexus LS 460 Insurance

Getting lower rates on Lexus LS 460 insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least every other year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a summary of the car insurance concepts touched on in this article.

• High-risk drivers who have multiple accidents or major violations pay on average $1,390 more per year for car insurance
• You may be able to save around $140 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $450 each year
• Drivers who purchase higher liability limits will pay about $450 every year to increase from a low limit to 250/500 limits