Lexus GX 460 Insurance Rates

The average auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage insurance. Comprehensive insurance costs around $300 each year, collision insurance costs $540, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $3,156 or more. Teen drivers cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates for type of insurance:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below illustrates average Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $833
• Using higher $1,000 deductibles will save about $190 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,454
• Choosing low deductibles for physical damage coverage costs an additional $372 annually
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,156
• Policy cost with full coverage for a 16-year-old driver can be $5,468 or more

Auto insurance rates for a Lexus GX 460 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $570 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 Cheap Lexus GX 460 Insurance

Finding cheaper rates on insurance for a Lexus GX 460 requires being a low-risk driver, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the information touched on in the above illustrations.

• It is possible to save up to $180 per year just by quoting online in advance
• Teen drivers are expensive to insure, possibly costing $456 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,700 more every year to insure their GX 460
• Insureds who may need more liability coverage will pay about $500 annually to increase from a 30/60 limit to higher 250/500 limits