Lexus GX 460 Insurance Rates

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

Average premium for full coverage: $1,390

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, 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 illustrates estimated Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $804
• Using higher $1,000 deductibles will save $176 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,390
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $340 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,008 or more
• The price for full coverage for a teenage driver with full coverage can cost $5,254 or more

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

An older driver with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,880 on average in Florida, New York, and Michigan.

Choosing high deductibles could cut prices by as much as $520 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can be around 44% to 136% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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 the Best Cheap Lexus GX 460 Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a quick review of the information touched on in the above illustrations.

• It is possible to save around $170 per year simply by shopping early and online
• Teenagers are the costliest to insure, as much as $438 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $525 each year
• Drivers with a DUI or reckless driving violation may pay on average $1,620 more per year for car insurance
• Consumers who purchase higher liability limits will pay about $510 annually to increase from a low limit to 250/500 limits