Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,390 a year for full coverage insurance. Comprehensive costs an estimated $288, collision insurance costs $484, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $3,008. Teenage drivers cost the most to insure at up to $5,254 a year.

Average premium for full coverage: $1,390

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why everyone should compare prices for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Lexus GX 460 insurance rates for other coverage scenarios.

• The best discount rate is $804
• Using higher $1,000 deductibles will save approximately $176 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,390
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,730
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,008
• Policy cost that insures a teenage driver for full coverage can cost as much as $5,254 or more

Auto insurance rates for a Lexus GX 460 also range considerably based on the model of your GX 460, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,300 in extra premium every year, depending on your age. Lexus GX 460 insurance for high-risk drivers can be around 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Your home state has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see rates as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,880 on average in Florida, New York, and Michigan.

Using high physical damage deductibles could cut rates by as much as $520 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 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 Affordable Lexus GX 460 Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare prices once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the data that was covered in the above illustrations.

• It is possible to save approximately $170 per year just by quoting online well ahead of the renewal date
• Consumers who want more liability protection will pay an extra $510 annually to increase from a 30/60 limit to the 250/500 level
• Youthful drivers are the costliest to insure, possibly costing $438 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $1,620 more annually than a low-risk driver