Lexus GX 460 Insurance Rates

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

Average premium for full coverage: $1,390

Premium estimates by type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $804
• Using higher $1,000 deductibles will save $176 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,390
• Using low deductibles for physical damage coverage will increase the cost to $1,730
• Higher-risk drivers who are prone to accidents and violations could pay around $3,008
• An auto insurance policy for full coverage for a teenage driver can cost $5,254 or more

Auto insurance prices for a Lexus GX 460 also have a wide range based on your driving characteristics, the trim level of your GX 460, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,980 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could cut prices by as much as $520 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than a normal 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 Cheaper Lexus GX 460 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the car insurance concepts covered above.

• Drivers with multiple at-fault accidents may pay on average $1,620 more per year for auto insurance
• Drivers can save around $170 per year just by quoting online in advance
• Increasing policy deductibles can save around $525 each year
• Consumers who purchase higher levels of liability will pay an extra $510 each year to increase from 30/60 bodily injury limits to 250/500 limits