Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year for full coverage. Comprehensive costs an estimated $300, collision insurance costs $540, and liability coverage costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs around $3,156. Teenage drivers pay the most at up to $5,468 a year.

Average premium for full coverage: $1,454

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $833
• Drivers who choose higher $1,000 deductibles will pay approximately $190 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,454
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,826
• High-risk insureds who are prone to accidents and violations could pay up to $3,156
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $5,468 a year

Car insurance prices for a Lexus GX 460 also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year 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 will be charged at least $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could save up to $570 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. 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 better rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Compare prices at every policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a brief review of the data presented in the illustrations above.

• Consumers who want higher levels of liability will pay an extra $500 each year to go from 30/60 bodily injury limits to the 250/500 level
• Drivers can save approximately $180 per year just by shopping early and online
• Increasing policy deductibles can save approximately $550 each year
• Teenage drivers have the highest car insurance prices, as much as $456 per month if full coverage is purchased