Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive costs on average $300 each year, collision costs $540, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,156. Teens pay the most at $5,468 a year or more.

Average premium for full coverage: $1,454

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

These rate differences highlight why all drivers should compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $833
• Using higher $1,000 deductibles will save around $190 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,454
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,826
• High-risk insureds with serious driving violations could pay upwards of $3,156 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,468 or more

Insurance prices for a Lexus GX 460 also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and prices will be substantially 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 More Affordable Lexus GX 460 Insurance

Finding better rates on insurance for a Lexus GX 460 requires having a good driving record, having a good credit score, refrain from filing small claims, and insuring your home and auto with the same company. Compare rates every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a summary of the material that was touched on above.

• Insureds who require increased levels of liability coverage will pay approximately $500 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger pay higher prices, with the cost nearing $456 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,700 more each year to buy Lexus GX 460 insurance
• Increasing policy deductibles can save approximately $550 each year