Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,454 a year with full coverage. Comprehensive insurance costs approximately $300, collision costs $540, and liability coverage is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $3,156 or more. Teens cost the most to insure at $5,468 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $833
• Choosing higher $1,000 deductibles can save $190 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,454
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $372 each year
• Drivers with serious driving violations could pay around $3,156 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost $5,468 each year

Car insurance rates for a Lexus GX 460 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,970 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra every year, depending on your age. Lexus GX 460 insurance for high-risk drivers ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied 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 More Affordable Lexus GX 460 Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a summary of the primary concepts that were presented in the illustrations above.

• You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
• Drivers who have multiple accidents or major violations pay on average $1,700 more per year to insure a Lexus GX 460
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $456 each month if full coverage is included