Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive insurance costs an estimated $300 each year, collision insurance costs $540, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,156 or more. Teen drivers cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $833
• Choosing higher $1,000 deductibles can save approximately $190 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,454
• Choosing low deductibles for comp and collision coverage will cost an extra $372 each year
• Drivers with multiple violations and an at-fault accident could pay up to $3,156
• Policy cost for full coverage for a teenage driver can cost as much as $5,468 each year

Insurance rates for a Lexus GX 460 also range considerably based on your risk profile, the model of your GX 460, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

Choosing high deductibles can save as much as $570 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than average. 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 the Best Cheap Lexus GX 460 Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the concepts that were raised in the charts and tables above.

• Drivers with a DUI or reckless driving violation may pay on average $1,700 more annually for GX 460 insurance
• Teens are expensive to insure, with premiums being up to $456 each month including comprehensive and collision insurance
• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $550 each year
• You may be able to save approximately $180 per year just by quoting online in advance