Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,244 a year including full coverage. Comprehensive insurance costs on average $266, collision costs $440, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,692 or more. Teenage drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Lexus LS 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $718
• Using higher $1,000 deductibles will save around $160 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,244
• Using more expensive low deductibles for physical damage coverage will cost an additional $312 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,692 or more
• Policy cost that insures a teen driver with full coverage may cost $4,662 or more

Car insurance rates for a Lexus LS 460 also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,600 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 $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could cut rates by as much as $480 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes 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 Affordable Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance requires being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief review of the material that was touched on in the above illustrations.

• Drivers who require more liability coverage will pay an extra $440 per year to increase from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, with premiums being up to $389 each month if full coverage is purchased
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,450 more each year to insure their LS 460
• Increasing comprehensive and collision deductibles can save approximately $475 each year