Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,390 a year including full coverage. Comprehensive costs around $288 a year, collision costs $484, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $3,008. 16-year-old drivers pay the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Price estimates for individual coverage:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and risk profile, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $804
• Drivers who choose higher $1,000 deductibles will pay about $1,214 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,390
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,730
• High-risk insureds with multiple tickets or accidents could pay at least $3,008 or more
• The price for full coverage for a teenage driver can be $5,254 a year

Auto insurance prices for a Lexus GX 460 are also quite variable based on your driving record, the model of your GX 460, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

The state you live in 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 Missouri, New Hampshire, and Vermont, or at least $1,980 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles could save up to $520 a year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 136% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, and quoted prices may be quite 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 Low Cost Lexus GX 460 Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a review of the data touched on in this article.

• Consumers who may need increased levels of liability coverage will pay around $510 per year to go from a low limit to 250/500 limits
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $438 a month if they have full coverage