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 around $288 each year, collision costs $484, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $3,008. Teens cost the most to insure at $5,254 a year or more.

Average premium for full coverage: $1,390

Policy rates for type of insurance:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $804
• Using higher $1,000 deductibles will save about $176 every year
• The average price for a good driver age 40 using $500 deductibles is $1,390
• Selecting low deductibles for physical damage coverage increases the price to $1,730
• Drivers with serious driving violations could pay at least $3,008 or more
• Policy cost to insure a teen driver can be $5,254 or more

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $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 at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,980 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes 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 the Best Lexus GX 460 Insurance

Finding cheaper rates on car insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the coverage data illustrated above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $438 each month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,620 more every year to buy Lexus GX 460 insurance