Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage. Comprehensive insurance costs approximately $260, collision costs $400, and liability costs around $406. A policy with just liability insurance costs as low as $450 a year, with coverage for high-risk drivers 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 by individual coverage:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different LS 460 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below shows estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $700
• Using higher $1,000 deductibles will save $150 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,202
• Using more expensive low deductibles for physical damage coverage costs an additional $288 every year
• Drivers who are prone to accidents and violations could pay around $2,588 or more
• The price with full coverage for a teen driver with full coverage can cost $4,508 or more

Insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $440 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus LS 460 insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices 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 Cheaper Lexus LS 460 Insurance

Getting lower rates on car insurance requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a condensed summary of the concepts that were touched on in this article.

• Higher risk drivers with multiple at-fault accidents pay on average $1,390 more per year to buy Lexus LS 460 insurance
• Drivers age 20 and younger are expensive to insure, with premiums as much as $376 a month including comprehensive and collision insurance
• Drivers can save around $140 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $450 each year
• Drivers can save around $140 per year simply by shopping early and online