Lexus GX 460 Insurance Rates

Estimated insurance prices for a Lexus GX 460 are $1,496 every 12 months including full coverage. Comprehensive costs on average $312, collision costs $574, and liability coverage is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $3,248. Teen drivers pay the most at $5,596 a year or more.

Average premium for full coverage: $1,496

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $855
• Choosing higher $1,000 deductibles can save around $200 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,496
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,888
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,248 or more
• An auto insurance policy to insure a teenage driver with full coverage may cost $5,596 each year

Auto insurance prices for a Lexus GX 460 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your GX 460.

Choosing high deductibles can save as much as $600 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance ranges around 43% to 134% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,140 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted 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 Shop for Affordable Lexus GX 460 Insurance

Finding better rates on auto insurance takes being a good driver, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a brief review of the concepts that were touched on in this article.

• Drivers with DUI or reckless driving convictions may pay on average $1,750 more each year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $466 per month if comprehensive and collision insurance is included
• You may be able to save as much as $180 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $600 each year
• You may be able to save as much as $180 per year simply by shopping early and online