Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,300 a year for full coverage. Comprehensive insurance costs on average $288, collision costs $474, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing $2,808 or more. Teens cost the most to insure at $4,826 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below shows estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save around $174 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,300
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $334 every year
• Unlucky drivers with serious driving violations could pay upwards of $2,808 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $4,826 each year

Car insurance rates for a Lexus LS 460 also range considerably based on your risk profile, the trim level of your LS 460, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

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 Right Lexus LS 460 Insurance

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a quick rundown of the concepts that were covered in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions will pay on average $1,510 more each year to buy Lexus LS 460 insurance
• Drivers age 20 and younger are expensive to insure, costing up to $402 each month if full coverage is included
• Drivers can save as much as $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers can save as much as $160 per year simply by shopping early and online