Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,300 annually including full coverage. Comprehensive insurance costs an estimated $288, collision costs $474, and liability is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $2,808 or more. 16-year-old drivers cost the most to insure at $4,826 a year or more.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates how your location can change insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

The chart below breaks down estimated Lexus LS 460 insurance rates for other coverage scenarios.

• The best full coverage rate is $748
• Choosing higher $1,000 deductibles can save approximately $174 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,300
• Buying more expensive low deductibles for comp and collision coverage costs an additional $334 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,808 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,826 each year

Insurance rates for a Lexus LS 460 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus LS 460 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.

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 Buy More Affordable Lexus LS 460 Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the data that was illustrated above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Policyholders who want more liability protection will pay around $440 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, with premiums being up to $402 each month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more annually than a low-risk driver