Lexus GX 460 Insurance Rates

The average insurance prices for a Lexus GX 460 are $1,390 every 12 months including full coverage. Comprehensive costs on average $288, collision costs $484, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $3,008. Teenage drivers cost the most to insure at $5,254 a year or more.

Average premium for full coverage: $1,390

Policy rates by type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $804
• Using higher $1,000 deductibles will save around $176 every year
• The average price for a good driver age 40 with $500 deductibles is $1,390
• Using pricier low deductibles for physical damage coverage increases the price to $1,730
• Drivers who are prone to accidents and violations could pay upwards of $3,008 or more
• Policy cost to insure a teen driver for full coverage may cost $5,254 or more

Insurance rates for a Lexus GX 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your GX 460.

Using high physical damage deductibles could cut rates by as much as $520 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Lexus GX 460 insurance for high-risk drivers can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,980 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied.

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 Shop for Low Cost Lexus GX 460 Insurance

Finding cheaper rates on Lexus GX 460 insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the data presented in the illustrations above.

• Drivers who require increased levels of liability coverage will pay an extra $510 per year to increase from a 30/60 limit to a 250/500 level
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers age 20 and younger pay the highest rates, with premiums being up to $438 each month if they have full coverage