Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,454 a year with full coverage. Comprehensive costs approximately $300, collision insurance costs $540, and liability coverage is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs around $3,156. Teens pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below details 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 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,454
• Selecting more expensive low deductibles will increase the cost to $1,826
• Unlucky drivers with serious driving violations could pay around $3,156
• The price for full coverage for a teenage driver with full coverage can cost $5,468

Insurance prices for a Lexus GX 460 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Lexus GX 460 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,970 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 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 the Best Cheap Lexus GX 460 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a quick review of the ideas that were illustrated above.

• Teenagers are expensive to insure, costing up to $456 a month for full coverage
• Drivers with a DUI or reckless driving violation pay on average $1,700 more per year for car insurance
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save around $180 per year just by shopping early and online