Lexus GX 460 Insurance Rates

Average insurance prices for a Lexus GX 460 are $1,390 every 12 months including full coverage. Comprehensive insurance costs around $288 a year, collision costs $484, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $3,008 or more. Teen drivers receive the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Rate estimates for individual coverage type:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why it is important to compare prices for a specific zip code and their own driving history, rather than using price averages.

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

More Rate Details

The chart below breaks down estimated Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $804
• Using higher $1,000 deductibles will save about $1,214 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,390
• Choosing low $100 deductibles for physical damage coverage costs an extra $340 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,008 or more
• The cost to insure a teenage driver can be $5,254 or more

Auto insurance rates for a Lexus GX 460 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $520 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 44% to 136% more than average. View High Risk Driver Rates

Where you live 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 as much as $1,980 on average in Michigan, New York, and Louisiana.

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

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 the Cheapest Lexus GX 460 Insurance

Saving money on auto insurance requires being safe and accident-free, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the ideas that were covered above.

• Youthful drivers are expensive to insure, as much as $438 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,620 more every year than a low-risk driver
• Increasing deductibles could save as much as $525 each year
• You may be able to save up to $170 per year simply by quoting early and online