Lexus GX 460 Insurance Rates

Estimated auto insurance rates for a Lexus GX 460 are $1,390 annually for full coverage insurance. Comprehensive insurance costs approximately $288 a year, collision insurance costs $484, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $3,008 or more. 16-year-old drivers pay the most at up to $5,254 a year.

Average premium for full coverage: $1,390

Premium estimates by type of coverage:

Prices include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 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 the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $804
• Drivers who choose higher $1,000 deductibles will pay $1,214 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,390
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $340 a year
• High risk drivers with multiple tickets or accidents could pay around $3,008
• An auto insurance policy with full coverage for a teen driver can cost $5,254 a year

Auto insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $520 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

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 $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,880 on average in Florida, 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 the Right Lexus GX 460 Insurance

Finding better rates on Lexus GX 460 insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the information raised in the charts and tables above.

• It is possible to save around $170 per year just by quoting early and online
• Teens have the highest car insurance prices, with premiums being up to $438 per month if full coverage is included
• Increasing policy deductibles could save up to $525 each year
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,620 more per year for GX 460 insurance
• Drivers who purchase higher liability limits will pay around $510 annually to go from 30/60 bodily injury limits to higher 250/500 limits