Lexus LS 460 Insurance Rates

U.S. average insurance rates for a Lexus LS 460 are $1,202 a year with full coverage. Comprehensive costs approximately $260 each year, collision costs $400, and liability insurance costs around $406. Buying just liability costs as low as $450 a year, with insurance for high-risk drivers costing around $2,588. 16-year-old drivers pay the highest rates at $4,508 a year or more.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and LS 460 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and risk profile, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save $150 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,202
• Buying low deductibles for physical damage coverage will increase the cost to $1,490
• Drivers with multiple tickets or accidents could pay around $2,588 or more
• The price for full coverage for a teen driver can cost $4,508 or more

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut prices by as much as $440 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

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 Find Cheap Lexus LS 460 Insurance

Getting lower rates on Lexus LS 460 insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief summary of the information raised in the charts and tables above.

• You may be able to save around $140 per year simply by quoting online in advance
• Teenage drivers are the costliest to insure, costing up to $376 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $450 each year
• High-risk drivers that tend to have accidents or serious violations pay on average $1,390 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay around $450 every year to increase from a low limit to 250/500 limits