Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year for full coverage insurance. Comprehensive insurance costs around $300, collision costs $540, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,156 or more. Teens pay the most at $5,468 a year or more.

Average premium for full coverage: $1,454

Premium estimates for type of coverage:

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why everyone should compare rates quotes 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.

More Rate Details

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

• The cheapest rate after discounts is $833
• Raising to $1,000 deductibles will save about $190 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,454
• Selecting pricier low deductibles will cost an extra $372 annually
• Drivers with serious driving violations could pay at least $3,156 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $5,468

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus GX 460 insurance prices. A middle-age driver might find prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,700 to $2,400 additional annually, depending on your age. Lexus GX 460 insurance for high-risk drivers is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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 Low Cost Lexus GX 460 Insurance

Finding better rates on insurance for a Lexus GX 460 consists of having a good driving record, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the concepts that were covered above.

• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,700 more every year to buy Lexus GX 460 insurance
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $456 per month including comprehensive and collision insurance
• It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $550 each year
• It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date