Lexus LS 460 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Average insurance rates for a Lexus LS 460 are $1,300 a year including full coverage. Comprehensive costs approximately $288, collision insurance costs $474, and liability coverage is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers costs around $2,808. Teens receive the highest rates at up to $4,826 a year.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Comprehensive $288
Collision $474
Liability $402

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all LS 460 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $446 for your basic liability-only policy to the much higher price of $2,808 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $1,300
High Risk $2,808

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

These examples highlight why everyone should compare rates quotes using their specific location and risk profile, rather than using averaged prices.

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 Information

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

  • The cheapest rate after discounts is $748
  • Raising to $1,000 deductibles will save $174 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,300
  • Selecting pricier low deductibles will increase the cost to $1,634
  • Unlucky drivers with serious driving violations could pay around $2,808
  • The cost for full coverage for a teenage driver for full coverage can cost $4,826

Insurance rates for a Lexus LS 460 can also vary considerably based on your driver profile, the model of your LS 460, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live also has a big influence on Lexus LS 460 insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

Lexus LS 460 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$126 -9.7%
Alaska $996 -$304 -23.4%
Arizona $1,078 -$222 -17.1%
Arkansas $1,300 -$0 0.0%
California $1,480 $180 13.8%
Colorado $1,240 -$60 -4.6%
Connecticut $1,336 $36 2.8%
Delaware $1,468 $168 12.9%
Florida $1,622 $322 24.8%
Georgia $1,202 -$98 -7.5%
Hawaii $932 -$368 -28.3%
Idaho $882 -$418 -32.2%
Illinois $968 -$332 -25.5%
Indiana $982 -$318 -24.5%
Iowa $876 -$424 -32.6%
Kansas $1,234 -$66 -5.1%
Kentucky $1,772 $472 36.3%
Louisiana $1,924 $624 48.0%
Maine $802 -$498 -38.3%
Maryland $1,074 -$226 -17.4%
Massachusetts $1,038 -$262 -20.2%
Michigan $2,256 $956 73.5%
Minnesota $1,090 -$210 -16.2%
Mississippi $1,556 $256 19.7%
Missouri $1,154 -$146 -11.2%
Montana $1,396 $96 7.4%
Nebraska $1,022 -$278 -21.4%
Nevada $1,558 $258 19.8%
New Hampshire $938 -$362 -27.8%
New Jersey $1,454 $154 11.8%
New Mexico $1,150 -$150 -11.5%
New York $1,370 $70 5.4%
North Carolina $750 -$550 -42.3%
North Dakota $1,066 -$234 -18.0%
Ohio $896 -$404 -31.1%
Oklahoma $1,332 $32 2.5%
Oregon $1,190 -$110 -8.5%
Pennsylvania $1,238 -$62 -4.8%
Rhode Island $1,732 $432 33.2%
South Carolina $1,178 -$122 -9.4%
South Dakota $1,096 -$204 -15.7%
Tennessee $1,138 -$162 -12.5%
Texas $1,566 $266 20.5%
Utah $964 -$336 -25.8%
Vermont $886 -$414 -31.8%
Virginia $778 -$522 -40.2%
Washington $1,002 -$298 -22.9%
West Virginia $1,192 -$108 -8.3%
Wisconsin $898 -$402 -30.9%
Wyoming $1,156 -$144 -11.1%

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Lexus LS 460 insurance for high-risk drivers is expensive and can cost around 44% to 129% more than the average policy. View High Risk Driver Rates

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 $1,276 $106
Lexus LS 460 4-Dr Sedan $1,276 $106
Lexus LS 460 AWD 4-Dr $1,300 $108
Lexus LS 460 L 4-Dr Sedan $1,326 $111
Lexus LS 460 L AWD 4-Dr $1,326 $111

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 $342 $658 $388 $1,524
2016 Lexus LS 460 $328 $590 $390 $1,444
2015 Lexus LS 460 $306 $542 $390 $1,374
2013 Lexus LS 460 $288 $474 $402 $1,300
2011 Lexus LS 460 $260 $400 $406 $1,202

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 the Best Lexus LS 460 Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a brief recap of the concepts that were touched on in the above illustrations.

  • Drivers who tend to receive serious violations could be forced to pay on average $1,510 more per year for car insurance
  • Teenagers are the costliest to insure, as much as $402 per month including comprehensive and collision insurance
  • You may be able to save around $160 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $500 each year
  • You may be able to save around $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Lexus LS 460 Insurance Rates by Driver Age
Driver Age Premium
16 $4,826
20 $2,978
30 $1,354
40 $1,300
50 $1,186
60 $1,164

Full coverage, $500 deductibles

Rates by Deductible

Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,634
$250 $1,480
$500 $1,300
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,406
100/300 $1,507
250/500 $1,768
100 CSL $1,447
300 CSL $1,668
500 CSL $1,829

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus LS 460 Insurance Rates for High Risk Drivers
Age Premium
16 $6,894
20 $4,744
30 $2,870
40 $2,808
50 $2,678
60 $2,654

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 $181

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $64
Online Quote $93
Total Discounts $552
Rate after discounts $748

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

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