Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,390 a year including full coverage. Comprehensive insurance costs approximately $288 a year, collision insurance costs $484, and liability coverage costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $3,008 or more. 16-year-old drivers pay the highest rates at up to $5,254 a year.

Average premium for full coverage: $1,390

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $804
• Drivers who choose higher $1,000 deductibles will pay $1,214 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,390
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $340 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,008
• The price that insures a teenage driver can cost $5,254 a year

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

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $520 a year, while buying higher liability limits will push prices upward. Changing 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

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 Affordable Lexus GX 460 Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop every other policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief review of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger are the costliest to insure, possibly costing $438 a month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions will likely pay on average $1,620 more per year to buy Lexus GX 460 insurance
• Increasing physical damage deductibles can save approximately $525 each year
• You may be able to save around $170 per year just by quoting early and online