Lexus GX 460 Insurance Rates

The average insurance prices for a Lexus GX 460 are $1,390 every 12 months including full coverage. Comprehensive costs an estimated $288, collision costs $484, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $3,008. Teenage drivers cost the most to insure at $5,254 a year or more.

Average premium for full coverage: $1,390

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus GX 460 insurance rates for other coverage scenarios.

• The best discount rate is $804
• Drivers who choose higher $1,000 deductibles will pay approximately $176 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,390
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,730
• High risk drivers who are prone to accidents and violations could pay up to $3,008 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $5,254 a year

Insurance rates for a Lexus GX 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $520 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. Lexus GX 460 insurance for high-risk drivers can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,980 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied.

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 Shop for Affordable Lexus GX 460 Insurance

Finding cheaper rates on Lexus GX 460 insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief review of the concepts that were touched on above.

• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,620 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $438 each month if they have full coverage
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date