Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive insurance costs approximately $300, collision insurance costs $540, and liability costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $3,156 or more. Teenage drivers receive the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $833
• Using higher $1,000 deductibles will save $190 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,454
• Using more expensive low deductibles for physical damage coverage will cost an additional $372 every year
• Drivers who are prone to accidents and violations could pay around $3,156
• The cost that insures a teen driver with full coverage can cost $5,468 or more

Auto insurance rates for a Lexus GX 460 can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could cut rates by as much as $570 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

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 More Affordable Lexus GX 460 Insurance

Saving money on car insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a summary of the data that was touched on in this article.

• You may be able to save around $180 per year just by shopping early and online
• Policyholders who purchase more liability coverage will pay an extra $500 per year to increase from a minimum limit to the 250/500 level
• Teen drivers have the highest car insurance rates, as much as $456 per month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations will likely pay on average $1,700 more per year to insure their GX 460