Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,390 a year for full coverage insurance. Comprehensive insurance costs on average $288 a year, collision costs $484, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $3,008 or more. Teen drivers pay the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location, rather than relying on price averages.

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

Additional Charts and Tables

The chart below illustrates estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $804
• Raising to $1,000 deductibles will save around $1,214 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,390
• Choosing low $100 deductibles will cost an additional $340 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,008 or more
• The price that insures a teen driver may cost $5,254

Insurance prices for a Lexus GX 460 are also quite variable based on the trim level of your GX 460, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 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 $910 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,880 on average in Michigan, New York, and Florida.

Choosing high deductibles can reduce prices by up to $520 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices may be quite 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

Getting lower rates on Lexus GX 460 insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a quick review of the car insurance concepts covered in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,620 more each year for auto insurance
• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers who require higher levels of liability will pay about $510 annually to raise from a low limit to the 250/500 level