Lexus GX 460 Insurance Rates

Estimated auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage. Comprehensive costs an estimated $300, collision costs $540, and liability costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing around $3,156. Teen drivers pay the most at $5,468 a year or more.

Average premium for full coverage: $1,454

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.

The example below illustrates the difference location can make on insurance prices.

These rate differences show why everyone should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

The chart below shows estimated Lexus GX 460 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $833
• Using higher $1,000 deductibles will save approximately $190 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,454
• Choosing pricier low deductibles for physical damage coverage will cost $1,826
• Drivers with multiple violations and an at-fault accident could pay up to $3,156 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,468 or more

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,700 to $2,400 extra annually, depending on your age. Lexus GX 460 insurance for high-risk drivers can be as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,080 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

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 Best Lexus GX 460 Insurance

Finding better rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief recap of the concepts that were touched on in this article.

• Higher risk drivers who tend to receive serious violations may pay on average $1,700 more annually to buy Lexus GX 460 insurance
• Drivers age 20 and younger have the highest car insurance prices, as much as $456 per month if comprehensive and collision insurance is included
• Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $550 each year
• Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date