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Lexus LS 460 Car Insurance

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Key Takeaways

  • The average insurance cost for a Lexus LS 460 is $1970 annually or $164 per month.
  • The Lexus LS 460 Sedan trim level is the cheapest to insure, costing roughly $1932 per year.
  • The L AWD trim level is the costliest to insure, with the annual premium being $2010 per year.
  • The cheapest minimum auto insurance coverage for the Lexus LS 460 starts at $1317 per year.

Lexus LS 460 auto insurance cost

Stylish, sleek, luxurious – there's no better status symbol than owning a Lexus. Buying one is a significant investment and can be pretty pricey – so obviously insuring one can also be expensive. Rather than overpay for Lexus auto insurance, you need to choose your provider wisely.

On average, Lexus LS 460 insurance will cost $1970 per year, which is more than $300 costlier than the national average of $1635 per year. Though not the costliest to insure in its segment, the annual premiums still pack a punch to the wallet!

You’ll need all the help you can get to choose the best auto insurance policy for your Lexus. We’ve made it easy for you - get a free quote for your Lexus in just minutes and compare offers from top auto insurance companies easily using

Is the Lexus LS 460 expensive to insure?

Let’s face it – the Lexus LS 460 is a luxury car. You don’t buy a luxury car without expecting it to be expensive. However, if you’re not careful, both the amount of loan payment and the insurance premium you pay annually can compound to even higher costs in future!

The Lexus LS 460 is by no means the costliest luxury car to insure – compared to other pricier ones, it is only moderately expensive to insure.In fact, it is $2118 cheaper to insure than the costliest luxury car in its segment – the Bentley Mulsanne.

Here’s a list of all the major luxury sedans and how the Lexus LS 460 compares to their insurance rates.

Make/Model Average Annual Rate Monthly Rate
Lincoln Continental $1,402 $117
Audi A5 $1,406 $117
Cadillac XTS $1,438 $120
Cadillac CTS $1,456 $121
Cadillac CT6 $1,556 $130
Volvo S90 $1,634 $136
Infiniti Q70 $1,692 $141
Acura RLX $1,742 $145
Mercedes-Benz CLS550 $1,770 $148
Lexus GS 450 $1,810 $151
Mercedes-Benz C63 AMG $1,846 $154
Jaguar XJ $1,858 $155
Infiniti Q60 $1,882 $157
Kia K900 $1,890 $158
Mercedes-Benz E63 AMG $1,908 $159
Cadillac CTS-V $1,924 $160
Genesis G90 $1,944 $162
Lexus LS 460 $1,970 $164
BMW 740e $1,980 $165
BMW 740i $2,020 $168
BMW 650i $2,078 $173
Maserati Ghibli $2,162 $180
Porsche Panamera $2,190 $183
Jaguar XJ Super $2,198 $183
Mercedes-Benz CLS63 AMG $2,204 $184
Audi A8 $2,278 $190
BMW 750i $2,334 $195
BMW Alpina B6 $2,338 $195
Maserati Quattroporte $2,346 $196
Audi RS 7 $2,348 $196
Mercedes-Benz S550 $2,408 $201
Audi S8 $2,418 $202
Mercedes-Benz AMG $2,420 $202
BMW M760xi $2,636 $220
Mercedes-Benz S63 AMG $2,730& $228
Mercedes-Benz S600 $2,738 $228
Mercedes-Benz AMG S63 $2,832 $236
Bentley Flying Spur $3,094 $258
Mercedes-Benz S65 AMG $3,192 $266
Mercedes-Benz S65 $3,254 $271
Mercedes-Benz AMG S65 $3,332 $278
Bentley Continental $3,334 $278
Bentley Mulsanne $4,088 $341

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What impacts the cost of Lexus LS 460 auto insurance?

Though Lexus insurance is affordable, the premiums can vary based on several factors like:

  • The driver’s age
  • The driver’s gender
  • The city you are in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

Age of the driver

Younger drivers will not have much of a driving record – which means insurance companies view them as riskier applicants. However, once you reach the age of 25, your premiums see a sharp fall – as much as 35% in some cases.

A Lexus LS 460 owner in his 20s may be charged up to $3938/year compared to a 50-year-old who will only be charged a premium of $1796/year.

Age of Driver Average Annual Rate
Age 20 $3938
Age 30 $2088
Age 40 $1970
Age 50 $1796
Age 60 $1766

Model year / age of the car

The Lexus LS 460 was in production from 2009-17. Since then, Lexus has come out with several editions like the LS 500. Naturally, the LS 460 models from before will cost less to insure than newer models released in 2022.

The average auto insurance premium for a 2017 Lexus LS 460 is $1970/year compared to $1486/year for a 2013 model.

Model Year and Vehicle Annual Rate Monthly Rate
2017 Lexus LS 460 $1,970 $164
2016 Lexus LS 460 $1,826 $152
2015 Lexus LS 460 $1,694 $141
2014 Lexus LS 460 $1,656 $138
2013 Lexus LS 460 $1,486 $124

Trim level

The Lexus LS 460 comes in two standard trim levels. Depending on whether you choose the normal sedan or the AWD version, the premium may come up to $1932-2010 per year.

Lexus LS 460 Trim Level Annual Rate Monthly Rate
Sedan $1,932 $161
AWD $1,970 $164
L Sedan $1,970 $164
L AWD $2,010 $168

City you are located in

Auto insurance premiums can cost higher in cities that have a higher density of vehicles, higher crime rates, higher incidence of extreme weather events, and a greater number of claims filed. This could vary even at the neighborhood or ZIP code level.

The highest Lexus LS 460 premiums are found in Los Angeles and New York.

City Average Annual Rate
Los Angeles, CA $2936
New York, NY $2714
Houston, TX $2692
Jacksonville, FL $2492
Philadelphia, PA $2303
Chicago, IL $2219
Phoenix, AZ $1996
Seattle, WA $1673
Indianapolis, IN $1466
Columbus, OH $1432

Insurance company

Based on the research done by the team, Tennessee Farmers offers the cheapest Lexus LS 460 rate averaged across all states, with a premium of $1317 per year. However, it’s best to compare the features and coverages offered before locking yourself into a policy.

Company Annual Rate
Tennessee Farmers $1317
Erie $1324
Texas Farm Bureau $1476
State Farm $1728
Nationwide $1746
USAA $1851
Allied $1902
Acuity $1935
Progressive $1953

How much is Lexus LS 460 auto insurance for recent models?

Inflation, car prices, and other factors may increase the premium for recent Lexus LS 460 models. The average auto insurance premium for a 30-year-old driver with a recent Lexus LS 460 model is as follows:

  • A 2017 Lexus LS 460 will cost roughly $1907 per year to insure.
  • A 2016 Lexus LS 460 will cost $1826 per year to insure.
  • A 2015 Lexus LS 460 insurance premium costs on average $1694 per year.

Lexus LS 460 safety features

Ensuring that your Lexus is equipped with all the standard safety features can reduce your auto insurance by a lot. Some of the installed features include:

  • Overhead airbags
  • Knee airbags
  • Pretensioners
  • Security system
  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side impact airbags

Lexus LS 460 safety ratings

IIHS Safety Test Type Safety Rating
Head restraints and seats Good
Front crash prevention Good
Moderate overlap front Good

Lexus LS 460 insurance loss probability

Insurance Coverage Category Loss Rate
Collision 56%
Property Damage -22%
Comprehensive -104%
Personal Injury -47%
Medical Payment Data unavailable
Bodily Injury Data unavailable

Ways to save on Lexus LS 460 car insurance

Drive safely: If you’re a rash driver, chances are that any violations you commit can increase your premiums. Insurance companies charge you a higher premium to offset the risk of at-fault accidents.

Improve your credit score: Having a credit score more than 700 can often lower your premiums because companies see you as a responsible applicant. Applicants with excellent credit scores (more than 700) can save as much as $250 or more annually compared to those with lower credit scores.

Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Lexus LS 460.

Ask for relevant discounts: Most companies offer loyalty discounts, senior citizen discounts, military veteran discounts and more to relevant applicants. Try to make use of it as much as possible to save money.

Bundle insurance policies: You can save even more by bundling your auto and home insurance policies.

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How do I find the best Lexus LS 460 car insurance rates?

  • It could be tempting to choose a provider that offers a low rate straight off the bat. However, it’s always better to apply for multiple free insurance quotes from as many companies as you can! You can either apply individually of use an insurance platform like
  • Compare, compare, compare – that should be your mantra when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
  • In only a few minutes, an insurance aggregator like can help you find the lowest insurance rates you've qualified for with your financial position.
  • The cheapest rates don’t always mean the best! You can always consider spending a bit more to get comprehensive coverage.

How to get Lexus LS 460 auto insurance with

Simply download the app or head to the website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Lexus LS 460 – all in as little as 45 seconds!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions (FAQ)

How much is insurance for a Lexus LS 460?

Lexus LS 460 insurance can cost around $1970 per year. Depending on the trim level, it can vary between $1930-2010.

From where can I purchase insurance for my Lexus LS 460 car?

You can access free quotes from more than 150+ insurance providers using an insurance aggregator platform like Compare the best quotes, their features, and rates before signing on for auto insurance.

Are Lexus LS 460s cheap to insure?

No, being a luxury car, the Lexus LS 460 is pretty expensive to insure. However, in the luxury car segment, it is only moderately expensive. It costs $2000 less to insure than the most expensive car in the luxury category.

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