Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,244 a year with full coverage. Comprehensive insurance costs an estimated $266 a year, collision costs $440, and liability insurance costs around $402. A policy with only liability insurance costs as low as $446 a year, with a high-risk policy costing $2,692 or more. 16-year-old drivers pay the most at $4,662 a year or more.

Average premium for full coverage: $1,244

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The diagram below illustrates how where you live affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area, rather than relying on rate 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 other coverage scenarios.

• The best full coverage rate is $718
• Using higher $1,000 deductibles will save approximately $1,084 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,244
• Buying low $100 deductibles for physical damage coverage will cost an additional $312 a year
• Drivers with multiple tickets or accidents could pay up to $2,692 or more
• An auto insurance policy that insures a teen driver can cost as much as $4,662 or more

Car insurance prices for a Lexus LS 460 also have a wide range based on the trim level of your LS 460, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut prices by as much as $480 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

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 Low Cost Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance requires having a decent driving record, having a positive credit history, being claim-free, and not having any coverage lapses. Comparison shop every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following items are a review of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $389 per month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,450 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $475 each year
• You may be able to save approximately $150 per year simply by quoting early and online