Lexus LS 460 Insurance Rates
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UPDATED: May 2, 2024
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Estimated insurance rates for a Lexus LS 460 are $1,300 a year for full coverage. Comprehensive insurance costs approximately $288, collision insurance costs $474, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs $2,808 or more. Teens pay the most at up to $4,826 a year.
Average premium for full coverage: $1,300
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different LS 460 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus LS 460 range from as low as $446 for your basic liability-only policy to a much higher rate of $2,808 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates 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 shows average Lexus LS 460 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $748
- Drivers who choose higher $1,000 deductibles will pay $174 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,300
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $334 each year
- High-risk insureds with serious driving violations could pay around $2,808
- An auto insurance policy for full coverage for a teenage driver with full coverage can cost $4,826 a year
Insurance prices for a Lexus LS 460 also have a wide range based on your driving characteristics, the trim level of your LS 460, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus LS 460 insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $510 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost around 44% to 129% more than the average policy. View High Risk Driver Rates
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 Find More Affordable Lexus LS 460 Insurance
Finding better rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a summary of the data that was touched on above.
- Drivers can save around $160 per year just by shopping early and online
- Consumers who purchase higher liability limits will pay approximately $440 each year to go from 30/60 bodily injury limits to 250/500 limits
- Teenagers are expensive to insure, as much as $402 per month for full coverage
- Drivers who have multiple accidents or major violations may pay on average $1,510 more per year for car insurance
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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