Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,202 a year for full coverage. Comprehensive costs approximately $260 a year, collision costs $400, and liability insurance costs around $406. Liability-only insurance costs as low as $450 a year, with high-risk driver insurance costing around $2,588. Teen drivers cost the most to insure at $4,508 a year or more.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The examples above show why it is important to compare prices using their specific location, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save $1,052 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,202
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,490
• Drivers with multiple violations and an at-fault accident could pay around $2,588 or more
• Policy cost that insures a teen driver can cost $4,508 or more

Auto insurance rates for a Lexus LS 460 also range considerably based on the trim level of your LS 460, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay 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 $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,710 on average in New York, Louisiana, and Michigan.

Choosing high deductibles could cut rates by as much as $440 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $366 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 Best Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Shop around every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following list is a brief recap of the material that was illustrated above.

• Drivers who purchase an increased level of liability coverage will pay about $450 each year to increase from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $376 each month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,390 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $450 each year