Lexus LS 460 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 2, 2024
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Average auto insurance rates for a Lexus LS 460 are $1,244 annually including full coverage. Comprehensive insurance costs around $266, collision insurance costs $440, and liability coverage costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs $2,692 or more. Teenage drivers receive the highest rates at up to $4,662 a year.
Average premium for full coverage: $1,244
Rate estimates for individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different LS 460 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $446 for a discount liability-only rate to a much higher rate of $2,692 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than 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.
Rates by State, City, and Model
The chart below breaks down average Lexus LS 460 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $718
- Drivers who choose higher $1,000 deductibles will pay about $160 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,244
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $312 each year
- High-risk insureds who are prone to accidents and violations could pay at least $2,692
- The cost with full coverage for a teenage driver with full coverage can be $4,662 a year
Insurance rates for a Lexus LS 460 can also vary considerably based on the trim level of your LS 460, your driving characteristics, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay 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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Affordable Lexus LS 460 Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The list below is a brief review of the primary concepts that were touched on in this article.
- You may be able to save up to $150 per year just by shopping early and online
- Drivers with DUI or reckless driving convictions may pay on average $1,450 more every year for car insurance
- Increasing deductibles could save up to $475 each year
- Teenagers pay higher rates, as much as $389 per month including comprehensive and collision insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,412 |
| $500 | $1,244 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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