Lexus LS 460 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 2, 2024
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Average auto insurance rates for a Lexus LS 460 are $1,244 annually for full coverage. Comprehensive insurance costs an estimated $266, collision insurance costs $440, and liability insurance costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,692 or more. 16-year-old drivers receive the highest rates at up to $4,662 a year.
Average premium for full coverage: $1,244
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all LS 460 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $446 for your basic liability-only policy to the much higher price of $2,692 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The example below illustrates how location helps determine insurance prices.
These examples show why everyone should compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows average Lexus LS 460 insurance rates for other coverage scenarios.
- The best full coverage rate is $718
- Using higher $1,000 deductibles will save approximately $160 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,244
- Buying pricier low deductibles for physical damage coverage costs an additional $312 a year
- Drivers with multiple tickets or accidents could pay up to $2,692
- The cost with full coverage for a teen driver for full coverage can cost as much as $4,662 or more
Car insurance rates for a Lexus LS 460 can also vary considerably based on the trim level of your LS 460, your driver profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,000 extra per year, depending on your age. Lexus LS 460 insurance for high-risk drivers can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $480 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,780 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,124 | -$120 | -9.6% |
| Alaska | $954 | -$290 | -23.3% |
| Arizona | $1,034 | -$210 | -16.9% |
| Arkansas | $1,244 | -$0 | 0.0% |
| California | $1,418 | $174 | 14.0% |
| Colorado | $1,186 | -$58 | -4.7% |
| Connecticut | $1,278 | $34 | 2.7% |
| Delaware | $1,406 | $162 | 13.0% |
| Florida | $1,554 | $310 | 24.9% |
| Georgia | $1,150 | -$94 | -7.6% |
| Hawaii | $894 | -$350 | -28.1% |
| Idaho | $842 | -$402 | -32.3% |
| Illinois | $926 | -$318 | -25.6% |
| Indiana | $938 | -$306 | -24.6% |
| Iowa | $840 | -$404 | -32.5% |
| Kansas | $1,182 | -$62 | -5.0% |
| Kentucky | $1,698 | $454 | 36.5% |
| Louisiana | $1,842 | $598 | 48.1% |
| Maine | $768 | -$476 | -38.3% |
| Maryland | $1,028 | -$216 | -17.4% |
| Massachusetts | $994 | -$250 | -20.1% |
| Michigan | $2,162 | $918 | 73.8% |
| Minnesota | $1,042 | -$202 | -16.2% |
| Mississippi | $1,492 | $248 | 19.9% |
| Missouri | $1,104 | -$140 | -11.3% |
| Montana | $1,336 | $92 | 7.4% |
| Nebraska | $980 | -$264 | -21.2% |
| Nevada | $1,492 | $248 | 19.9% |
| New Hampshire | $898 | -$346 | -27.8% |
| New Jersey | $1,392 | $148 | 11.9% |
| New Mexico | $1,100 | -$144 | -11.6% |
| New York | $1,310 | $66 | 5.3% |
| North Carolina | $718 | -$526 | -42.3% |
| North Dakota | $1,020 | -$224 | -18.0% |
| Ohio | $858 | -$386 | -31.0% |
| Oklahoma | $1,276 | $32 | 2.6% |
| Oregon | $1,140 | -$104 | -8.4% |
| Pennsylvania | $1,186 | -$58 | -4.7% |
| Rhode Island | $1,660 | $416 | 33.4% |
| South Carolina | $1,130 | -$114 | -9.2% |
| South Dakota | $1,050 | -$194 | -15.6% |
| Tennessee | $1,090 | -$154 | -12.4% |
| Texas | $1,500 | $256 | 20.6% |
| Utah | $922 | -$322 | -25.9% |
| Vermont | $850 | -$394 | -31.7% |
| Virginia | $746 | -$498 | -40.0% |
| Washington | $960 | -$284 | -22.8% |
| West Virginia | $1,140 | -$104 | -8.4% |
| Wisconsin | $858 | -$386 | -31.0% |
| Wyoming | $1,108 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 4-Dr Sedan | $1,220 | $102 |
| Lexus LS 460 AWD 4-Dr | $1,244 | $104 |
| Lexus LS 460 L 4-Dr Sedan | $1,268 | $106 |
| Lexus LS 460 L AWD 4-Dr | $1,268 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lexus LS 460 | $328 | $590 | $390 | $1,444 |
| 2016 Lexus LS 460 | $306 | $542 | $390 | $1,374 |
| 2015 Lexus LS 460 | $296 | $508 | $394 | $1,334 |
| 2013 Lexus LS 460 | $266 | $440 | $402 | $1,244 |
| 2011 Lexus LS 460 | $242 | $366 | $402 | $1,146 |
Rates are averaged for all Lexus LS 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Lexus LS 460 Insurance
Saving money on Lexus LS 460 insurance requires having a good driving record, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a summary of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,450 more annually to buy Lexus LS 460 insurance
- Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $475 each year
- Drivers who want increased levels of liability coverage will pay around $440 each year to increase from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,854 |
| 30 | $1,292 |
| 40 | $1,244 |
| 50 | $1,138 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,412 |
| $500 | $1,244 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,244 |
| 50/100 | $1,348 |
| 100/300 | $1,449 |
| 250/500 | $1,710 |
| 100 CSL | $1,389 |
| 300 CSL | $1,610 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,650 |
| 20 | $4,548 |
| 30 | $2,746 |
| 40 | $2,692 |
| 50 | $2,564 |
| 60 | $2,540 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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