Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,244 annually for full coverage insurance. Comprehensive insurance costs an estimated $266 each year, collision insurance costs $440, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs $2,692 or more. Teenage drivers pay the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,244

Price estimates broken down by individual coverage:

Prices include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and LS 460 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The ranges above illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates average Lexus LS 460 insurance rates for other coverage scenarios.

• The best discount rate is $718
• Using higher $1,000 deductibles will save approximately $160 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,244
• Using low deductibles for physical damage coverage costs an additional $312 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,692
• The price with full coverage for a 16-year-old driver can cost as much as $4,662 or more

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $480 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 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 $810 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,680 on average in Florida, New York, and Michigan.

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 Right Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 requires being a safe and courteous driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the material that was touched on above.

• Insureds who want higher levels of liability will pay an extra $440 annually to increase from a low limit to higher 250/500 limits
• Teenage drivers are charged the highest prices, as much as $389 a month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,450 more annually for auto insurance
• Increasing physical damage deductibles could save up to $475 each year