Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,390 a year including full coverage. Comprehensive costs an estimated $288, collision insurance costs $484, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $3,008. 16-year-old drivers pay the most at up to $5,254 a year.

Average premium for full coverage: $1,390

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how your location can change insurance prices.

These rate differences highlight why everyone should compare rates for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $804
• Drivers who choose higher $1,000 deductibles will pay approximately $176 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,390
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,730
• Drivers with multiple tickets or accidents could pay up to $3,008
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $5,254 a year

Insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,700 to $2,300 extra annually, depending on your age. Lexus GX 460 insurance for high-risk drivers can cost from 44% to 136% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,980 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles could save up to $520 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per 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 Cheap Lexus GX 460 Insurance

Finding better rates on insurance for a Lexus GX 460 not only requires being a low-risk driver, but also having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Comparison shop once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a brief summary of the data that was illustrated above.

• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Insureds who want more liability coverage will pay around $510 per year to go from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are charged the highest prices, with the cost nearing $438 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,620 more annually to insure their GX 460