Lexus LS 460 Insurance Rates

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UPDATED: May 2, 2024

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Estimated insurance rates for a Lexus LS 460 are $1,244 a year for full coverage. Comprehensive costs approximately $266 a year, collision costs $440, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,692. Teenage drivers pay the most at $4,662 a year or more.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Comprehensive $266
Collision $440
Liability $402

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and LS 460 trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Lexus LS 460 go from the low end price of $446 for just liability insurance to a high of $2,692 for high-risk insurance.

Liability Only $446
Full Coverage $1,244
High Risk $2,692

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

These rate differences show why it is important to get quotes using their specific location, instead of using average rates.

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 Details

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

  • The best discount rate is $718
  • Choosing higher $1,000 deductibles can save $1,084 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,244
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,556
  • Unlucky drivers who are prone to accidents and violations could pay around $2,692 or more
  • An auto insurance policy that insures a teen driver can cost $4,662 each year

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

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,780 on average in New York, Louisiana, and Michigan.

Lexus LS 460 Insurance Rates by State
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%

Using high physical damage deductibles can save as much as $480 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Lexus LS 460 Insurance Rates by Model and Trim Level
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.

Lexus LS 460 Insurance Rates by Model Year
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 Find Low Cost Lexus LS 460 Insurance

Finding better rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

Below is a review of the material that was presented in the illustrations above.

  • Policyholders who purchase higher levels of liability will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Teenage drivers have the highest car insurance prices, as much as $389 per month if the policy includes full coverage
  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,450 more per year for auto insurance
  • Increasing policy deductibles can save approximately $475 each year

Rates by Driver Age

Lexus LS 460 Insurance 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

Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,412
$500 $1,244
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
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

Lexus LS 460 Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $718

Discounts are estimated and may not be available from every company or in every state.

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