Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive costs an estimated $300 a year, collision insurance costs $540, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs around $3,156. Teenage drivers cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $833
• Using higher $1,000 deductibles will save approximately $1,264 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,454
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,826
• Drivers who are prone to accidents and violations could pay up to $3,156
• Policy cost for full coverage for a teen driver can cost as much as $5,468 or more

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $5,400 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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could cut rates by as much as $570 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

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 Lexus GX 460 insurance requires not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around at least every other year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the car insurance concepts touched on above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,700 more annually for GX 460 insurance
• You may be able to save approximately $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers who want higher liability limits will pay an extra $500 per year to increase from a 30/60 limit to 250/500 limits