Lexus GX 460 Insurance Rates

Average insurance prices for a Lexus GX 460 are $1,390 every 12 months for full coverage. Comprehensive insurance costs on average $288 a year, collision insurance costs $484, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $3,008 or more. Teens receive the highest rates at up to $5,254 a year.

Average premium for full coverage: $1,390

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below shows average Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $804
• Choosing higher $1,000 deductibles can save around $1,214 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,390
• Selecting low $100 deductibles for comp and collision coverage costs an extra $340 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,008
• The cost to insure a 16-year-old driver may cost $5,254 each year

Car insurance rates for a Lexus GX 460 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your GX 460.

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you 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 $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,980 on average in Michigan, Louisiana, and New York.

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 More Affordable Lexus GX 460 Insurance

Saving money on insurance for a Lexus GX 460 takes being safe and accident-free, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a summary of the concepts that were covered above.

• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,620 more each year than a low-risk driver
• Youthful drivers are expensive to insure, costing as high as $438 per month if the policy includes full coverage
• Drivers can save as much as $170 per year just by quoting early and online
• Increasing deductibles could save as much as $525 each year
• Drivers can save as much as $170 per year just by quoting early and online