Lexus LS 460 Insurance Rates

The average auto insurance rates for a Lexus LS 460 are $1,244 annually with full coverage. Comprehensive costs approximately $266 a year, collision costs $440, and liability insurance is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing around $2,692. Teenage drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and LS 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to get quotes 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.

Rate Comparisons

The chart below details estimated Lexus LS 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $718
• Choosing higher $1,000 deductibles can save $1,084 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,244
• Using low $100 deductibles for comp and collision coverage will cost $1,556
• High-risk insureds who are prone to accidents and violations could pay around $2,692 or more
• Policy cost with full coverage for a teen driver can cost $4,662 each year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus LS 460 insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted 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 the Best Lexus LS 460 Insurance

Finding cheaper rates on Lexus LS 460 insurance takes being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the data covered in the above illustrations.

• Drivers who purchase more liability coverage will pay an extra $440 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teen drivers have the highest car insurance rates, as much as $389 each month if full coverage is included