Lexus GX 460 Insurance Rates

The average insurance prices for a Lexus GX 460 are $1,454 every 12 months for full coverage. Comprehensive insurance costs approximately $300 each year, collision insurance costs $540, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,156 or more. Teens cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $833
• Raising to $1,000 deductibles will save $190 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,454
• Selecting low deductibles costs an extra $372 annually
• Drivers with serious driving violations could pay around $3,156
• Policy cost to insure a 16-year-old driver can cost $5,468

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus GX 460 insurance prices. A middle-age driver might find rates as low as $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

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

Finding cheaper rates on insurance for a Lexus GX 460 consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a recap of the coverage data covered in the charts and tables above.

• Drivers can save around $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $456 each month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,700 more per year than a driver with a clean driving record