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 around $300 each year, collision insurance costs $540, and liability costs around $456. Buying just liability costs as low as $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 for type of insurance:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $833
• Using higher $1,000 deductibles will save about $190 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,454
• Selecting low deductibles for physical damage coverage will cost an extra $372 annually
• High-risk insureds with serious driving violations could pay at least $3,156
• Policy cost for full coverage for a 16-year-old driver can be $5,468 or more

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

Your home state has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per 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 at least $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average 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 Cheap Lexus GX 460 Insurance

Finding cheaper rates on insurance for a Lexus GX 460 requires being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates at least once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief summary of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $180 per year just by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,700 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teenage drivers pay higher rates, with premiums being up to $456 each month for full coverage