Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,390 a year with full coverage. Comprehensive insurance costs on average $288, collision costs $484, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $3,008 or more. 16-year-old drivers receive the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different 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 auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

These examples demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below details estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $804
• Choosing higher $1,000 deductibles can save around $176 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,390
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $340 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,008 or more
• The cost for full coverage for a 16-year-old driver with full coverage may cost $5,254 each year

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

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

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 $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,880 on average in Florida, Michigan, and New York.

Opting for high physical damage deductibles can save as much as $520 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges from 44% to 136% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates can be significantly different from one company to the next.

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 Find Cheaper Lexus GX 460 Insurance

Saving money on insurance for a Lexus GX 460 takes having a decent driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The following items are a condensed summary of the information touched on in this article.

• You may be able to save as much as $170 per year simply by shopping early and online
• 16 to 18-year-old drivers pay higher rates, with premiums as much as $438 per month including comprehensive and collision insurance
• Increasing deductibles can save around $525 each year
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,620 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay around $510 every year to raise limits from a minimum limit to 250/500 limits