Lexus LS 460 Insurance Rates
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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...
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UPDATED: May 2, 2024
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Average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive costs around $260 a year, collision insurance costs $400, and liability costs $406. Liability-only coverage costs as little as $450 a year, and high-risk coverage costs around $2,588. Teens receive the highest rates at up to $4,508 a year.
Average premium for full coverage: $1,202
Rate estimates for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and LS 460 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $450 for just liability insurance to a high of $2,588 for a policy for a high-risk driver.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
These examples show why it is important to compare rates for a specific zip code, instead of using averaged prices.
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.
More Rate Details
The chart below shows average Lexus LS 460 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $700
- Drivers who choose higher $1,000 deductibles will pay about $1,052 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,202
- Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,490
- Higher-risk drivers with serious driving violations could pay at least $2,588
- The cost that insures a teen driver can be $4,508 a year
Car insurance rates for a Lexus LS 460 can also vary considerably based on the trim level of your LS 460, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age
Where you live makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$118 | -9.8% |
| Alaska | $920 | -$282 | -23.5% |
| Arizona | $996 | -$206 | -17.1% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,368 | $166 | 13.8% |
| Colorado | $1,146 | -$56 | -4.7% |
| Connecticut | $1,230 | $28 | 2.3% |
| Delaware | $1,358 | $156 | 13.0% |
| Florida | $1,500 | $298 | 24.8% |
| Georgia | $1,110 | -$92 | -7.7% |
| Hawaii | $864 | -$338 | -28.1% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $906 | -$296 | -24.6% |
| Iowa | $810 | -$392 | -32.6% |
| Kansas | $1,140 | -$62 | -5.2% |
| Kentucky | $1,638 | $436 | 36.3% |
| Louisiana | $1,776 | $574 | 47.8% |
| Maine | $740 | -$462 | -38.4% |
| Maryland | $990 | -$212 | -17.6% |
| Massachusetts | $958 | -$244 | -20.3% |
| Michigan | $2,082 | $880 | 73.2% |
| Minnesota | $1,006 | -$196 | -16.3% |
| Mississippi | $1,438 | $236 | 19.6% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,288 | $86 | 7.2% |
| Nebraska | $946 | -$256 | -21.3% |
| Nevada | $1,440 | $238 | 19.8% |
| New Hampshire | $864 | -$338 | -28.1% |
| New Jersey | $1,342 | $140 | 11.6% |
| New Mexico | $1,062 | -$140 | -11.6% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $692 | -$510 | -42.4% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,230 | $28 | 2.3% |
| Oregon | $1,100 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$58 | -4.8% |
| Rhode Island | $1,602 | $400 | 33.3% |
| South Carolina | $1,088 | -$114 | -9.5% |
| South Dakota | $1,012 | -$190 | -15.8% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,446 | $244 | 20.3% |
| Utah | $888 | -$314 | -26.1% |
| Vermont | $822 | -$380 | -31.6% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $926 | -$276 | -23.0% |
| West Virginia | $1,100 | -$102 | -8.5% |
| Wisconsin | $828 | -$374 | -31.1% |
| Wyoming | $1,070 | -$132 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $440 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 4-Dr Sedan | $1,180 | $98 |
| Lexus LS 460 AWD 4-Dr | $1,202 | $100 |
| Lexus LS 460 L 4-Dr Sedan | $1,224 | $102 |
| Lexus LS 460 L AWD 4-Dr | $1,224 | $102 |
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 | $306 | $542 | $390 | $1,374 |
| 2016 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2015 Lexus LS 460 | $288 | $474 | $402 | $1,300 |
| 2013 Lexus LS 460 | $260 | $400 | $406 | $1,202 |
| 2011 Lexus LS 460 | $228 | $332 | $402 | $1,098 |
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 More Affordable Lexus LS 460 Insurance
Saving money on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a summary of the coverage data covered in the charts and tables above.
- Drivers can save up to $140 per year just by quoting early and online
- Increasing deductibles can save approximately $450 each year
- Teenagers are the costliest to insure, costing as high as $376 per month if full coverage is purchased
- Higher risk drivers who have multiple accidents or major violations pay on average $1,390 more every year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,508 |
| 20 | $2,740 |
| 30 | $1,246 |
| 40 | $1,202 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,490 |
| $250 | $1,358 |
| $500 | $1,202 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,305 |
| 100/300 | $1,407 |
| 250/500 | $1,671 |
| 100 CSL | $1,346 |
| 300 CSL | $1,569 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,424 |
| 20 | $4,364 |
| 30 | $2,638 |
| 40 | $2,588 |
| 50 | $2,468 |
| 60 | $2,442 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $52 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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