Lexus LS 460 Insurance Rates

Estimated insurance prices for a Lexus LS 460 are $1,202 every 12 months for full coverage insurance. Comprehensive costs approximately $260, collision insurance costs $400, and liability coverage costs $406. A liability-only policy costs as little as $450 a year, and high-risk insurance costs around $2,588. Teen drivers pay the most at up to $4,508 a year.

Average premium for full coverage: $1,202

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, rather than using price averages.

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 additional coverage and risk scenarios.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay $150 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,202
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,490
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,588
• An auto insurance policy to insure a teenage driver for full coverage can cost $4,508 a year

Auto insurance prices for a Lexus LS 460 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your LS 460.

Choosing high deductibles could save up to $440 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $366 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost around 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,620 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 Shop for the Best Lexus LS 460 Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief recap of the material that was raised in the charts and tables above.

• Consumers who purchase increased liability limits will pay about $450 annually to go from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, with premiums being up to $376 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may have to pay on average $1,390 more per year to insure a Lexus LS 460
• Increasing policy deductibles could save as much as $450 each year