Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage insurance. Comprehensive insurance costs on average $260 each year, collision costs $400, and liability costs $406. Liability-only insurance costs as little as $450 a year, with high-risk driver insurance costing $2,588 or more. Teenage drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $150 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,202
• Using low deductibles for comprehensive and collision insurance costs an additional $288 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,588 or more
• Policy cost with full coverage for a teen driver may cost $4,508 a year

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $366 extra every year. View Rates by Deductible or Liability Limit

Your home state 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Affordable Lexus LS 460 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the data presented in the illustrations above.

• Policyholders who require additional liability coverage will pay an extra $450 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save as much as $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $376 each month if full coverage is included