Lexus GX 460 Insurance Rates

Average auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage insurance. Comprehensive costs on average $300 each year, collision insurance costs $540, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,156. Teens receive the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and GX 460 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.

These examples illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $833
• Drivers who choose higher $1,000 deductibles will pay around $190 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,454
• Selecting low deductibles for comprehensive and collision insurance will cost $1,826
• Higher-risk drivers with serious driving violations could pay upwards of $3,156
• The cost with full coverage for a teen driver may cost $5,468 a year

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $570 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.

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 Cheap Lexus GX 460 Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief summary of the material that was touched on in this article.

• Policyholders who require increased liability limits will pay approximately $500 annually to go from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 pay the highest rates, costing up to $456 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,700 more each year to insure a Lexus GX 460
• Increasing deductibles could save up to $550 each year