Lexus LS 460 Insurance Rates

U.S. average auto insurance rates for a Lexus LS 460 are $1,300 annually for full coverage insurance. Comprehensive insurance costs approximately $288 each year, collision insurance costs $474, and liability insurance costs $402. Buying just liability costs as little as $446 a year, and insurance for high-risk drivers costs $2,808 or more. Teenage drivers pay the highest rates at up to $4,826 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Prices include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and LS 460 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay $174 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,300
• Using low deductibles for comprehensive and collision insurance costs an additional $334 a year
• High risk drivers who are prone to accidents and violations could pay around $2,808
• The price with full coverage for a teen driver can cost $4,826 a year

Insurance prices for a Lexus LS 460 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

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 Buy the Right Lexus LS 460 Insurance

Getting lower rates on Lexus LS 460 insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick rundown of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $160 per year just by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,510 more per year for LS 460 insurance
• Increasing physical damage deductibles could save up to $500 each year
• Teens are the costliest to insure, as much as $402 a month if they have full coverage