Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,390 a year with full coverage. Comprehensive insurance costs approximately $288 each year, collision costs $484, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $3,008 or more. 16-year-old drivers receive the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and GX 460 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $804
• Using higher $1,000 deductibles will save $176 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,390
• Buying low deductibles for physical damage coverage will cost an additional $340 annually
• High-risk insureds with multiple tickets or accidents could pay around $3,008 or more
• The cost that insures a 16-year-old driver can cost $5,254 or more

Auto insurance rates for a Lexus GX 460 can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 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 $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,880 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut rates by as much as $520 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted 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 insurance for a Lexus GX 460 requires having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Comparison shop once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a quick review of the data that was covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online in advance
• Insureds who purchase increased levels of liability coverage will pay around $510 every year to increase from a minimum limit to the 250/500 level
• Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $438 per month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,620 more per year to buy Lexus GX 460 insurance