Lexus LS 460 Insurance Rates

Estimated auto insurance rates for a Lexus LS 460 are $1,202 annually for full coverage. Comprehensive costs an estimated $260, collision costs $400, and liability costs $406. Liability-only coverage costs as little as $450 a year, with high-risk coverage costing around $2,588. Teens pay the most at $4,508 a year or more.

Average premium for full coverage: $1,202

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all LS 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

These rate differences show why everyone should compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Rate Comparisons

The chart below shows estimated Lexus LS 460 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $150 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,202
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,490
• Higher-risk drivers with serious driving violations could pay up to $2,588 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,508 a year

Insurance prices for a Lexus LS 460 also have a wide range based on the model of your LS 460, your driver profile, and liability limits and deductibles.

A more mature driver with a clean 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. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 extra annually, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $440 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit

Where you choose to live 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 Iowa, Maine, and Idaho, or have to pay at least $1,710 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every company calculates prices differently, so the prices will be substantially 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 the Right Lexus LS 460 Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a quick rundown of the concepts that were presented in the illustrations above.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,390 more annually to insure a Lexus LS 460
• Drivers under the age of 20 are charged the highest prices, as much as $376 per month including comprehensive and collision insurance
• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $450 each year
• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date