Lexus GX 460 Insurance Rates

U.S. average insurance prices for a Lexus GX 460 are $1,454 every 12 months with full coverage. Comprehensive insurance costs an estimated $300, collision costs $540, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $3,156 or more. Teenage drivers pay the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,454

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Lexus GX 460 insurance rates for other coverage scenarios.

• The best discount rate is $833
• Drivers who choose higher $1,000 deductibles will pay approximately $190 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,454
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $372 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,156 or more
• The price to insure a teen driver with full coverage can cost as much as $5,468 a year

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

Using high physical damage deductibles could save up to $570 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the 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 Shop for Affordable Lexus GX 460 Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the information covered in the charts and tables above.

• You may be able to save approximately $180 per year simply by shopping early and online
• Drivers age 16 to 20 are charged the highest prices, costing up to $456 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $550 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,700 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay an extra $500 every year to go from a low limit to a 250/500 level