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 $1,244 a year with full coverage. Comprehensive costs an estimated $266, collision insurance costs $440, and liability costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $2,692. 16-year-old drivers receive the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,244

Rate estimates broken down by individual coverage type:

Comprehensive $266
Collision $440
Liability $402

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all LS 460 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the low end price of $446 for liability-only coverage to the much higher price of $2,692 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $1,244
High Risk $2,692

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The example below illustrates how location helps determine insurance prices.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

These examples demonstrate why everyone should compare rates for a targeted area, instead of using rate averages.

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.

Additional Charts and Tables

The chart below details average Lexus LS 460 insurance rates for other coverage scenarios.

  • The best full coverage rate is $718
  • Drivers who choose higher $1,000 deductibles will pay approximately $160 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,244
  • Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,556
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,692
  • The cost that insures a teen driver for full coverage can cost as much as $4,662 a year

Car insurance rates for a Lexus LS 460 can also vary considerably based on the model of your LS 460, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,000 extra per year, depending on your age. Lexus LS 460 insurance for high-risk drivers can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus LS 460 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

Lexus LS 460 Insurance Rates by State
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%

Opting for high physical damage deductibles could save up to $480 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,220 $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.

Lexus LS 460 Insurance Rates by Model Year
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 Find Cheaper Lexus LS 460 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the concepts that were covered in the charts and tables above.

  • Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,450 more annually than a low-risk driver
  • Youthful drivers have the highest car insurance rates, with premiums as much as $389 per month if full coverage is purchased
  • You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $475 each year
  • You may be able to save approximately $150 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 $4,662
20 $2,854
30 $1,292
40 $1,244
50 $1,138
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Lexus LS 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,412
$500 $1,244
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Lexus LS 460 Insurance Rates with Different Liability Limits
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

Lexus LS 460 Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $718

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

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