Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,390 a year including full coverage. Comprehensive costs an estimated $288, collision costs $484, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $3,008. Teens receive the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical 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

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Lexus GX 460 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $804
• Raising to $1,000 deductibles will save approximately $176 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,390
• Selecting more expensive low deductibles will increase the cost to $1,730
• At-risk drivers with serious driving violations could pay up to $3,008 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $5,254

Insurance rates for a Lexus GX 460 can also vary considerably based on your driver profile, the model of your GX 460, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

Where you live also has a big influence on Lexus GX 460 insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,980 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so the 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 the Cheapest Lexus GX 460 Insurance

Saving money on car insurance consists of being safe and accident-free, maintaining good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $170 per year simply by shopping early and online
• Increasing deductibles can save around $525 each year
• Youthful drivers are charged the highest rates, as much as $438 per month for full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,620 more annually than a low-risk driver