Lexus GX 460 Insurance Rates

Estimated insurance prices for a Lexus GX 460 are $1,390 every 12 months including full coverage. Comprehensive costs approximately $288 a year, collision costs $484, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $3,008. Teenage drivers pay the most at $5,254 a year or more.

Average premium for full coverage: $1,390

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $804
• Choosing higher $1,000 deductibles can save $1,214 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,390
• Using low $100 deductibles for comp and collision coverage increases the price to $1,730
• Higher-risk drivers who are prone to accidents and violations could pay around $3,008 or more
• An auto insurance policy to insure a 16-year-old driver can cost $5,254 each year

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 model of your GX 460.

Using high physical damage deductibles can save as much as $520 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus GX 460 insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,980 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the 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 the Best Lexus GX 460 Insurance

Finding better rates on insurance for a Lexus GX 460 takes being a good driver, having good credit, refrain from filing small claims, and maximizing policy discounts. Spend time shopping around every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief recap of the material that was touched on above.

• Insureds who purchase an increased level of liability coverage will pay an extra $510 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $438 per month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,620 more per year than a safer driver
• Increasing policy deductibles could save as much as $525 each year