Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive insurance costs around $300 a year, collision insurance costs $540, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,156 or more. Teenage drivers pay the most at up to $5,468 a year.

Average premium for full coverage: $1,454

Premium estimates for type of coverage:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. 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 has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to get quotes for a specific zip code, rather than relying on average rates.

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

Additional Rate Details

The chart below breaks down average Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $833
• Choosing higher $1,000 deductibles can save about $1,264 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,454
• Using low $100 deductibles for comp and collision coverage will cost an additional $372 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,156
• An auto insurance policy that insures a teen driver can be $5,468 each year

Insurance prices for a Lexus GX 460 also have a wide range based on the trim level of your GX 460, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles can save as much as $570 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

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

Finding better rates on Lexus GX 460 insurance takes not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following is a condensed summary of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents may have to pay on average $1,700 more every year for GX 460 insurance
• You may be able to save up to $180 per year just by quoting early and online
• Increasing policy deductibles can save approximately $550 each year
• Drivers who may need higher liability limits will pay an extra $500 per year to raise limits from 30/60 bodily injury limits to the 250/500 level