Lexus LS 460 Insurance Rates

Estimated insurance rates for a Lexus LS 460 are $1,244 a year for full coverage insurance. Comprehensive insurance costs around $266 each year, collision costs $440, and liability insurance is $402. A policy with only liability insurance costs around $446 a year, with a high-risk policy costing $2,692 or more. Teens pay the most at $4,662 a year or more.

Average premium for full coverage: $1,244

Premium estimates for type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance rates.

These rate differences illustrate why all drivers should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $718
• Raising to $1,000 deductibles will save about $160 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,244
• Selecting low deductibles will cost an additional $312 a year
• Higher-risk drivers with serious driving violations could pay at least $2,692 or more
• An auto insurance policy that insures a teen driver can be $4,662

Car insurance prices for a Lexus LS 460 also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find prices as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,680 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $480 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.

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 Find the Best Lexus LS 460 Insurance

Finding better rates on Lexus LS 460 insurance consists of being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were illustrated above.

• Teenage drivers are the costliest to insure, with premiums being up to $389 per month if full coverage is purchased
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,450 more every year for auto insurance
• Increasing policy deductibles can save approximately $475 each year
• It is possible to save up to $150 per year simply by quoting online in advance