Lexus LS 460 Insurance Rates

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

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $1,052 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,202
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,490
• High risk drivers who are prone to accidents and violations could pay upwards of $2,588 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,508 a year

Insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your risk profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, 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 cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially 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 the Best Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around at every policy renewal by getting price quotes from direct insurance companies, and also from local exclusive and independent agents.

The items below are a brief recap of the data raised in the charts and tables above.

• Drivers who require more liability coverage will pay an extra $450 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save as much as $140 per year simply by quoting early and online
• Increasing policy deductibles could save up to $450 each year
• Teen drivers pay the highest prices, with premiums being up to $376 per month including comprehensive and collision insurance