Lexus GX 460 Insurance Rates

Average auto insurance rates for a Lexus GX 460 are $1,454 annually including full coverage. Comprehensive insurance costs approximately $300, collision insurance costs $540, and liability coverage costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs $3,156 or more. Teenage drivers receive the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $833
• Drivers who choose higher $1,000 deductibles will pay $190 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,454
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $372 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,156
• The cost with full coverage for a teenage driver with full coverage can cost $5,468 a year

Insurance rates for a Lexus GX 460 can also vary considerably based on the trim level of your GX 460, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

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 Buy Affordable Lexus GX 460 Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following is a brief review of the car insurance concepts touched on in the above illustrations.

• Drivers with DUI or reckless driving convictions may have to pay on average $1,700 more per year for GX 460 insurance
• You may be able to save around $180 per year just by shopping early and online
• Increasing deductibles could save up to $550 each year
• Consumers who purchase higher liability limits will pay an extra $500 per year to go from a minimum limit to higher 250/500 limits