Lexus LS 460 Insurance Rates

Estimated insurance prices for a Lexus LS 460 are $1,244 every 12 months including full coverage. Comprehensive costs around $266, collision insurance costs $440, and liability coverage is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs around $2,692. Teens pay the most at up to $4,662 a year.

Average premium for full coverage: $1,244

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different LS 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Lexus LS 460 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $718
• Choosing higher $1,000 deductibles can save about $160 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,244
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,556
• Drivers with serious driving violations could pay at least $2,692
• An auto insurance policy to insure a teenage driver with full coverage can be $4,662 each year

Car insurance prices for a Lexus LS 460 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus LS 460 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,780 on average in Michigan, New York, and Louisiana.

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 Shop for the Cheapest Lexus LS 460 Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Make time to compare rates every year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a recap of the coverage data touched on in this article.

• You may be able to save up to $150 per year just by shopping early and online
• Increasing policy deductibles could save as much as $475 each year
• Teenagers are the costliest to insure, with the cost nearing $389 per month if the policy includes full coverage
• Drivers that have major violations or accidents could be forced to pay on average $1,450 more every year for car insurance