2013 Lexus LS 460 Car Insurance Calculator

Understand how the choices you make impact the cost of car insurance for a 2013 Lexus LS 460. Experiment with options like your location, homeowner status, and credit score to see how rates are affected. Immediately see if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2013 Lexus LS 460 is $1,940 per year, or about $162 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,940

Cost Per Month

$162

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus LS 460 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Lexus LS 460.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,940
Average Rate
Your Rate
$1,940

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Lexus LS 460 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Lexus LS 460 is $1,940.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Lexus LS 460 vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2013 Lexus LS 460 against all other models in the large luxury car segment. The Lexus LS 460 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus LS 460, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus LS 460.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Lexus LS 460 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,592-$348
2Cadillac CTS$1,608-$332
3Cadillac XTS$1,632-$308
4Lincoln MKS$1,712-$228
5Cadillac CTS-V$1,838-$102
6Lexus GS 450$1,912-$28
7Infiniti M56$1,938-$2
8Lexus LS 460$1,940--
9Hyundai Equus$1,952$12
10Mercedes-Benz CLS550$1,992$52
11Mercedes-Benz E63 AMG$2,100$160
12BMW 750xi$2,126$186
13BMW 740i$2,134$194
14Jaguar XJ$2,160$220
15Mercedes-Benz C63 AMG$2,206$266
16BMW 650i$2,244$304
17Jaguar XJ Super$2,248$308
18Mercedes-Benz CLS63 AMG$2,322$382
2013 Large Luxury Car Average$2,329$389
19Lexus LS 600H$2,352$412
20Audi S8$2,378$438
21BMW 750i$2,386$446
22Mercedes-Benz S550$2,390$450
23Porsche Panamera$2,440$500
24Audi A8$2,442$502
25Mercedes-Benz CL550$2,468$528
26Maserati Quattroporte$2,474$534
27Mercedes-Benz S63 AMG$2,590$650
28BMW 760i$2,606$666
29Mercedes-Benz S600$2,806$866
30Mercedes-Benz CL600$2,820$880
31Mercedes-Benz S65 AMG$3,112$1,172
32Mercedes-Benz CL65 AMG$3,218$1,278
33Bentley Continental$3,244$1,304
34Bentley Mulsanne$3,806$1,866

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 LS 460 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Lexus LS 460.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Lexus LS 460 Insurance Rates by Trim Level
2013 Lexus LS 460 Trim Level Annual Premium Cost Per Month
AWD$1,910$159
Sedan$1,910$159
L Sedan$1,950$163
L AWD$1,988$166

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Lexus LS 460 for different driver ages.

2013 Lexus LS 460 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,862$572
17$6,654$555
18$5,977$498
19$5,439$453
20$4,174$348
21$3,982$332
22$3,571$298
23$2,930$244
24$2,773$231
25$2,250$188
30$2,068$172
35$1,994$166
40$1,940$162
45$1,814$151
50$1,718$143
55$1,604$134
60$1,610$134
65$1,714$143
70$1,844$154
75$2,164$180
80$2,664$222

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus LS 460 trim levels.