Lexus GX 460 Insurance Rates

Average auto insurance rates for a Lexus GX 460 are $1,454 annually including full coverage. Comprehensive insurance costs an estimated $300, collision insurance costs $540, and liability is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $3,156 or more. Teens receive the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,454

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $833
• Choosing higher $1,000 deductibles can save approximately $190 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,454
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $372 annually
• Higher-risk drivers with serious driving violations could pay up to $3,156
• The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,468 each year

Auto insurance rates for a Lexus GX 460 can also vary considerably based on the trim level of your GX 460, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus GX 460 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

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 Buy Affordable Lexus GX 460 Insurance

Saving money on insurance for a Lexus GX 460 takes having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a brief review of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,700 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, as much as $456 per month if full coverage is included
• You may be able to save approximately $180 per year just by shopping early and online
• Increasing deductibles could save up to $550 each year
• You may be able to save approximately $180 per year just by shopping early and online