Lexus GX 460 Insurance Rates

Average auto insurance rates for a Lexus GX 460 are $1,390 annually including full coverage. Comprehensive insurance costs approximately $288 each year, collision costs $484, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $3,008 or more. Teen 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:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and GX 460 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

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

These examples highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $804
• Drivers who choose higher $1,000 deductibles will pay $176 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,390
• Choosing low deductibles for comprehensive and collision insurance costs an additional $340 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,008 or more
• The cost with full coverage for a teen driver can cost $5,254 a year

Insurance rates for a Lexus GX 460 can also vary considerably based on the trim level of your GX 460, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $520 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,980 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly different between companies.

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 Buy Cheap Lexus GX 460 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

Below you'll find a brief summary of the concepts that were presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,620 more per year than a low-risk driver
• Youthful drivers are the costliest to insure, as much as $438 per month if they have full coverage
• You may be able to save around $170 per year simply by quoting online in advance
• Increasing deductibles could save up to $525 each year
• You may be able to save around $170 per year simply by quoting online in advance