Lexus LS 460 Insurance Rates

The average insurance prices for a Lexus LS 460 are $1,202 every 12 months including full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $400, and liability insurance is $406. A liability-only policy costs around $450 a year, with high-risk insurance costing $2,588 or more. Teenage drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Lexus LS 460 insurance rates for other coverage scenarios.

• The best discount rate is $700
• Raising to $1,000 deductibles will save approximately $150 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,202
• Using low deductibles costs an extra $288 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,588 or more
• Policy cost to insure a teen driver can cost as much as $4,508

Car insurance rates for a Lexus LS 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $440 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for Cheaper Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to shop around once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a condensed summary of the data that was illustrated above.

• You may be able to save approximately $140 per year simply by quoting online in advance
• Drivers who want higher levels of liability will pay an extra $450 per year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers have the highest car insurance rates, with premiums being up to $376 each month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,390 more annually for auto insurance