Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,454 a year for full coverage insurance. Comprehensive insurance costs approximately $300, collision costs $540, and liability costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $3,156 or more. Teens receive the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all GX 460 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $833
• Using higher $1,000 deductibles will save $190 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,454
• Selecting pricier low deductibles for physical damage coverage will cost an additional $372 every year
• Drivers with serious driving violations could pay around $3,156 or more
• The cost that insures a teen driver for full coverage can cost $5,468 or more

Insurance rates for a Lexus GX 460 can also vary considerably based on the model of your GX 460, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Lexus GX 460 insurance for high-risk drivers can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, so the 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 Find the Best Cheap Lexus GX 460 Insurance

Saving money on car insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a quick review of the ideas that were touched on in this article.

• Teens are expensive to insure, costing up to $456 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,700 more per year for GX 460 insurance
• Increasing deductibles can save approximately $550 each year
• It is possible to save around $180 per year simply by quoting online well ahead of the renewal date