Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year including full coverage. Comprehensive costs approximately $260, collision insurance costs $400, and liability insurance costs around $406. A liability-only policy costs as low as $450 a year, and high-risk insurance costs around $2,588. Teens cost the most to insure at up to $4,508 a year.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down average Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save $150 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,202
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,490
• Drivers with serious driving violations could pay around $2,588
• Policy cost for full coverage for a teen driver for full coverage can cost $4,508 or more

Car insurance rates for a Lexus LS 460 also range considerably based on your risk profile, the model of your LS 460, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

Your home state has a huge impact on Lexus LS 460 insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Lexus LS 460 insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

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 the Right Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a quick rundown of the material that was covered in the charts and tables above.

• Drivers who purchase increased liability limits will pay approximately $450 per year to increase from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 pay the highest auto insurance rates, with premiums being up to $376 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,390 more per year to insure a Lexus LS 460
• Increasing comprehensive and collision deductibles can save around $450 each year