Lexus LS 460 Insurance Rates

The average insurance rates for a Lexus LS 460 are $1,300 a year including full coverage. Comprehensive insurance costs around $288 each year, collision insurance costs $474, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs $2,808 or more. Teens cost the most to insure at up to $4,826 a year.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Includes $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and LS 460 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code, rather than using averaged prices.

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

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 cheapest rate after discounts is $748
• Drivers who choose higher $1,000 deductibles will pay about $174 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,300
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $334 each year
• High-risk insureds with serious driving violations could pay at least $2,808
• Policy cost that insures a teenage driver can be $4,826 a year

Auto insurance rates for a Lexus LS 460 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Your home state makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could save up to $510 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

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 Find the Cheapest Lexus LS 460 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting online in advance
• Drivers that have major violations or accidents may have to pay on average $1,510 more every year to buy Lexus LS 460 insurance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $402 each month if the policy includes full coverage