Are You Paying Too Much to Insure Your Lexus LS 460?

• Lexus LS 460 car insurance costs an average of $2,606 per year, or around $217 per month for full coverage.
• Out of 43 vehicles in the large luxury car segment, the LS 460 ranks 18^th for insurance affordability.
• The LS 460 Sedan trim level is the cheapest to insure at around $2,554 per year. The most expensive trim is the L AWD at $2,658 per year.

How much does Lexus LS 460 car insurance cost?

Average car insurance cost on a Lexus LS 460 is $2,606 per year for a full-coverage policy. Monthly insurance cost for the LS 460 ranges from $213 to $222, depending on the trim level.

Liability and medical (or PIP) coverage will cost approximately $686 a year, comprehensive coverage costs approximately $646, and the remaining collision insurance will cost an estimated $1,274.

The chart below demonstrates how average LS 460 car insurance rates change based on the age of the driver and $250, $500, and $1,000 deductibles.

How do LS 460 car insurance rates rank?

The Lexus LS 460 ranks 18^th out of 43 total comparison vehicles in the large luxury car category. The LS 460 costs an average of $2,606 per year for insurance and the category average rate is $2,954 annually, a difference of $348 per year.

When LS 460 insurance rates are compared to the most popular models in the 2017 large luxury car segment, insurance for a Lexus LS 460 costs $752 more per year than the Audi A5, $578 less than the Mercedes-Benz S550, $62 less than the BMW 740i, and $710 more than the Cadillac XTS.

The chart below shows how LS 460 insurance rates compare to the top-selling large luxury cars in the U.S. Following the chart, a more comprehensive data table is included that breaks down insurance rate rankings for the entire large luxury car class.

What model of LS 460 is cheapest to insure?

With Lexus LS 460 insurance rates ranging from $2,554 to $2,658 per year for the average driver, the cheapest model to insure is the base Sedan. The next cheapest trim level to insure is the AWD at $2,606 per year. Plan on paying a minimum of $213 per month to insure a LS 460 for full coverage.

The costliest trim levels of Lexus LS 460 to insure are the L AWD at $2,658 and the L Sedan at $2,606 per year. Those trim levels will cost an extra $104 and $52 per year, respectively, over the least expensive base Sedan model.

The rate table below displays average Lexus LS 460 car insurance rates for annual and 6-month policy terms, including a monthly budget estimate, for each 2017 model year trim level.

Do older LS 460 models cost less to insure?

Driving an older model Lexus LS 460 could reduce the cost of insurance by $666 each year at a minimum when comparing the cost to insure a 2013 LS 460 to a 2017 model.

The following table details average estimated Lexus LS 460 full coverage insurance policy costs for different model years and driver ages. The cost of insurance ranges from the cheapest cost of $1,610 for a 60-year-old driver rated on a 2013 Lexus LS 460 to a maximum value of $5,260 for a 20-year-old with a 2017 Lexus LS 460.