Lexus GX 460 Insurance Rates

The average auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage. Comprehensive insurance costs approximately $300 each year, collision insurance costs $540, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $3,156 or more. Teen drivers cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above show why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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 additional coverage and risk scenarios.

• The lowest rate with discounts is $833
• Using higher $1,000 deductibles will save $190 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,454
• Choosing low deductibles for physical damage coverage costs an additional $372 a year
• Drivers with multiple violations and an at-fault accident could pay around $3,156
• Policy cost with full coverage for a teen driver can cost $5,468 or more

Car insurance rates for a Lexus GX 460 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $570 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,080 on average in New York, Louisiana, 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 the Best Cheap Lexus GX 460 Insurance

Finding cheaper rates on Lexus GX 460 insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the ideas that were touched on in this article.

• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $456 each month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation pay on average $1,700 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers can save around $180 per year just by quoting online in advance