Lexus LS 460 Insurance Rates
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UPDATED: May 2, 2024
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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
Using a 40-year-old driver as an example, Lexus LS 460 insurance prices range from as cheap as $446 for basic liability insurance to a high rate of $2,808 for coverage for higher-risk drivers.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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.
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% |
Insurance Rates by Trim Level and Model Year
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.
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 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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,634 |
$250 | $1,480 |
$500 | $1,300 |
$1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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