Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year for full coverage. Comprehensive insurance costs around $300 a year, collision insurance costs $540, and liability insurance costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $3,156 or more. Teen drivers pay the most at up to $5,468 a year.

Average premium for full coverage: $1,454

Premium estimates for type of coverage:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all states and GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences show why it is important to compare rates for a specific zip code and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $833
• Drivers who choose higher $1,000 deductibles will pay about $1,264 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,454
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $372 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,156
• An auto insurance policy for full coverage for a teen driver can be $5,468 a year

Car insurance prices for a Lexus GX 460 also have a wide range based on your driving characteristics, the trim level of your GX 460, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

Choosing high deductibles could save up to $570 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. 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 Affordable Lexus GX 460 Insurance

Finding better rates on Lexus GX 460 insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a brief review of the coverage data covered in the charts and tables above.

• Drivers can save up to $180 per year just by quoting early and online
• Increasing policy deductibles can save around $550 each year
• Teens are the costliest to insure, as much as $456 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,700 more every year for GX 460 insurance