Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage insurance. Comprehensive insurance costs approximately $260 each year, collision costs $400, and liability is $406. Buying just liability costs around $450 a year, with insurance for high-risk drivers costing $2,588 or more. Teen drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and LS 460 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below illustrates estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save $150 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,202
• Choosing low deductibles costs an additional $288 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,588 or more
• The price with full coverage for a 16-year-old driver can cost $4,508

Insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $440 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus LS 460 insurance prices. A middle-age driver might find prices 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.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different 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 Cheaper Lexus LS 460 Insurance

Getting lower rates on insurance for a Lexus LS 460 consists of being a low-risk driver, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the information presented in the illustrations above.

• It is possible to save around $140 per year simply by quoting online in advance
• Teen drivers are the costliest to insure, as much as $376 a month if they have full coverage
• Increasing physical damage deductibles could save up to $450 each year
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,390 more per year to insure their LS 460
• Insureds who purchase more liability coverage will pay about $450 annually to raise from a low limit to higher 250/500 limits