Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,454 a year for full coverage. Comprehensive costs on average $300 a year, collision costs $540, and liability coverage costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $3,156. Teens pay the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

The ranges above show why it is important to compare rates based on a specific location, 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 shows estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $833
• Drivers who choose higher $1,000 deductibles will pay around $1,264 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,454
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,826
• High-risk insureds with serious driving violations could pay upwards of $3,156 or more
• The price that insures a teenage driver may cost $5,468 a year

Insurance prices for a Lexus GX 460 are also quite variable based on the trim level of your GX 460, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,400 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 $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

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

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company calculates prices differently, and prices may be quite 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 Cheap Lexus GX 460 Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare rates every year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief summary of the coverage data illustrated above.

• Drivers can save as much as $180 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers age 16 to 20 pay higher prices, with premiums as much as $456 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations may pay on average $1,700 more each year than a safer driver