Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,202 annually including full coverage. Comprehensive insurance costs around $260 a year, collision costs $400, and liability insurance costs $406. Liability-only insurance costs as little as $450 a year, with high-risk driver insurance costing $2,588 or more. Teenage drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates for individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay about $1,052 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,202
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $288 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,588 or more
• The price with full coverage for a teen driver can be $4,508 a year

Car insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit

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 $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy Low Cost 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, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the ideas that were covered in the above illustrations.

• Youthful drivers are the costliest to insure, possibly costing $376 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,390 more every year than a low-risk driver
• Increasing physical damage deductibles could save up to $450 each year
• You may be able to save up to $140 per year simply by quoting early and online