Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,390 a year with full coverage. Comprehensive costs approximately $288, collision costs $484, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $3,008. Teens pay the most at $5,254 a year or more.

Average premium for full coverage: $1,390

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $804
• Raising to $1,000 deductibles will save $176 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,390
• Selecting more expensive low deductibles bumps up the cost to $1,730
• Drivers with serious driving violations could pay around $3,008 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,254

Auto insurance prices for a Lexus GX 460 also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus GX 460 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,880 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

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 Find the Best Lexus GX 460 Insurance

Finding better rates on insurance for a Lexus GX 460 consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.

The points below are a brief recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,620 more per year to insure a Lexus GX 460
• You may be able to save around $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $525 each year
• Insureds who purchase increased liability limits will pay approximately $510 every year to raise from 30/60 bodily injury limits to the 250/500 level