Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,390 a year for full coverage insurance. Comprehensive insurance costs approximately $288 each year, collision insurance costs $484, and liability insurance is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $3,008 or more. Teens receive the highest rates at up to $5,254 a year.

Average premium for full coverage: $1,390

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and GX 460 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.

These examples illustrate why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below illustrates average Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $804
• Raising to $1,000 deductibles will save $176 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,390
• Selecting low deductibles will cost an extra $340 a year
• Higher-risk drivers with serious driving violations could pay around $3,008
• The cost for full coverage for a teen driver can cost $5,254

Insurance rates for a Lexus GX 460 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live also has a big influence on Lexus GX 460 insurance rates. A middle-age driver might find rates as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,880 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

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 Affordable Lexus GX 460 Insurance

Saving money on Lexus GX 460 insurance consists of being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below is a brief review of the information illustrated above.

• It is possible to save around $170 per year just by quoting online in advance
• Teenage drivers are expensive to insure, costing up to $438 per month for full coverage
• Increasing deductibles can save around $525 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,620 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay approximately $510 annually to raise from a minimum limit to 250/500 limits