Lexus GX 460 Insurance Rates

U.S. average insurance prices for a Lexus GX 460 are $1,390 every 12 months for full coverage insurance. Comprehensive costs an estimated $288, collision insurance costs $484, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $3,008. Teen drivers pay the highest rates at up to $5,254 a year.

Average premium for full coverage: $1,390

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using price averages.

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

Additional Charts and Tables

The chart below illustrates average Lexus GX 460 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $804
• Using higher $1,000 deductibles will save approximately $176 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,390
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,730
• Drivers with multiple violations and an at-fault accident could pay up to $3,008
• The price to insure a teen driver with full coverage can cost as much as $5,254 or more

Car insurance prices for a Lexus GX 460 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $520 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 136% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,880 on average in Florida, New York, and Michigan.

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 Shop for the Best Lexus GX 460 Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief recap of the coverage data covered above.

• It is possible to save approximately $170 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $525 each year
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $438 a month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,620 more annually than a driver with a clean driving record