Lexus LS 460 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Lexus LS 460 are $1,244 a year for full coverage. Comprehensive insurance costs around $266, collision costs $440, and liability is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing $2,692 or more. 16-year-old drivers pay the highest rates at $4,662 a year or more.
Average premium for full coverage: $1,244
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all LS 460 models.
Price Range from Low to High
For the normal driver, Lexus LS 460 insurance prices go from the low end price of $446 for basic liability insurance to the much higher price of $2,692 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.
The example below illustrates how geographic area affects auto insurance rates.
The ranges above show why everyone should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $718
- Raising to $1,000 deductibles will save about $160 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,244
- Buying pricier low deductibles will cost an additional $312 annually
- Drivers with multiple tickets or accidents could pay at least $2,692 or more
- The price that insures a 16-year-old driver for full coverage can be $4,662
Insurance prices for a Lexus LS 460 are also quite variable based on the model of your LS 460, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,000 additional each year, depending on your age. Lexus LS 460 insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age
The state you live in also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find prices as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,780 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,124 | -$120 | -9.6% |
| Alaska | $954 | -$290 | -23.3% |
| Arizona | $1,034 | -$210 | -16.9% |
| Arkansas | $1,244 | -$0 | 0.0% |
| California | $1,418 | $174 | 14.0% |
| Colorado | $1,186 | -$58 | -4.7% |
| Connecticut | $1,278 | $34 | 2.7% |
| Delaware | $1,406 | $162 | 13.0% |
| Florida | $1,554 | $310 | 24.9% |
| Georgia | $1,150 | -$94 | -7.6% |
| Hawaii | $894 | -$350 | -28.1% |
| Idaho | $842 | -$402 | -32.3% |
| Illinois | $926 | -$318 | -25.6% |
| Indiana | $938 | -$306 | -24.6% |
| Iowa | $840 | -$404 | -32.5% |
| Kansas | $1,182 | -$62 | -5.0% |
| Kentucky | $1,698 | $454 | 36.5% |
| Louisiana | $1,842 | $598 | 48.1% |
| Maine | $768 | -$476 | -38.3% |
| Maryland | $1,028 | -$216 | -17.4% |
| Massachusetts | $994 | -$250 | -20.1% |
| Michigan | $2,162 | $918 | 73.8% |
| Minnesota | $1,042 | -$202 | -16.2% |
| Mississippi | $1,492 | $248 | 19.9% |
| Missouri | $1,104 | -$140 | -11.3% |
| Montana | $1,336 | $92 | 7.4% |
| Nebraska | $980 | -$264 | -21.2% |
| Nevada | $1,492 | $248 | 19.9% |
| New Hampshire | $898 | -$346 | -27.8% |
| New Jersey | $1,392 | $148 | 11.9% |
| New Mexico | $1,100 | -$144 | -11.6% |
| New York | $1,310 | $66 | 5.3% |
| North Carolina | $718 | -$526 | -42.3% |
| North Dakota | $1,020 | -$224 | -18.0% |
| Ohio | $858 | -$386 | -31.0% |
| Oklahoma | $1,276 | $32 | 2.6% |
| Oregon | $1,140 | -$104 | -8.4% |
| Pennsylvania | $1,186 | -$58 | -4.7% |
| Rhode Island | $1,660 | $416 | 33.4% |
| South Carolina | $1,130 | -$114 | -9.2% |
| South Dakota | $1,050 | -$194 | -15.6% |
| Tennessee | $1,090 | -$154 | -12.4% |
| Texas | $1,500 | $256 | 20.6% |
| Utah | $922 | -$322 | -25.9% |
| Vermont | $850 | -$394 | -31.7% |
| Virginia | $746 | -$498 | -40.0% |
| Washington | $960 | -$284 | -22.8% |
| West Virginia | $1,140 | -$104 | -8.4% |
| Wisconsin | $858 | -$386 | -31.0% |
| Wyoming | $1,108 | -$136 | -10.9% |
Opting for high physical damage deductibles can reduce prices by up to $480 annually, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 AWD 4-Dr | $1,244 | $104 |
| Lexus LS 460 L 4-Dr Sedan | $1,268 | $106 |
| Lexus LS 460 L AWD 4-Dr | $1,268 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $328 | $590 | $390 | $1,444 |
| 2016 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2015 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2013 Lexus LS 460 | $266 | $440 | $402 | $1,244 |
| 2011 Lexus LS 460 | $242 | $366 | $402 | $1,146 |
Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Lexus LS 460 Insurance
Getting lower rates on insurance for a Lexus LS 460 consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop every year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The following list is a brief recap of the coverage data presented in the illustrations above.
- Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $475 each year
- Drivers age 16 to 20 are charged the highest prices, with premiums as much as $389 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations pay on average $1,450 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,854 |
| 30 | $1,292 |
| 40 | $1,244 |
| 50 | $1,138 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,412 |
| $500 | $1,244 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,244 |
| 50/100 | $1,348 |
| 100/300 | $1,449 |
| 250/500 | $1,710 |
| 100 CSL | $1,389 |
| 300 CSL | $1,610 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,650 |
| 20 | $4,548 |
| 30 | $2,746 |
| 40 | $2,692 |
| 50 | $2,564 |
| 60 | $2,540 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
