Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year with full coverage. Comprehensive costs on average $300 a year, collision costs $540, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $3,156. Teens pay the most at $5,468 a year or more.

Average premium for full coverage: $1,454

Premium estimates by type of coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $833
• Drivers who choose higher $1,000 deductibles will pay around $1,264 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,454
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,826
• High risk drivers with serious driving violations could pay upwards of $3,156 or more
• An auto insurance policy for full coverage for a teen driver may cost $5,468 a year

Auto insurance prices for a Lexus GX 460 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could save up to $570 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every company calculates prices differently, and quoted prices will be substantially different from one company to the next.

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 Cheapest Lexus GX 460 Insurance

Finding better rates on Lexus GX 460 insurance not only requires being safe and accident-free, but also having good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $180 per year simply by quoting early and online
• High-risk drivers that have major violations or accidents may be required to pay an average of $1,700 more each year than a low-risk driver
• Increasing policy deductibles can save around $550 each year
• Youthful drivers are charged the highest prices, possibly costing $456 per month if they have full coverage