Lexus GX 460 Insurance Rates

Estimated insurance prices for a Lexus GX 460 are $1,454 every 12 months for full coverage. Comprehensive costs an estimated $300, collision costs $540, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $3,156. Teens pay the most at $5,468 a year or more.

Average premium for full coverage: $1,454

Premium estimates broken down by type of coverage:

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist 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

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $833
• Using higher $1,000 deductibles will save approximately $190 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,454
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,826
• Higher-risk drivers with serious driving violations could pay up to $3,156 or more
• An auto insurance policy to insure a teenage driver with full coverage can cost as much as $5,468 or more

Insurance prices for a Lexus GX 460 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

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

Where you choose to live has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company calculates prices differently, so the prices will be substantially different.

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 Shop for the Right Lexus GX 460 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.

Below is a quick rundown of the concepts that were touched on in this article.

• Drivers with reckless driving or DUI convictions pay on average $1,700 more annually for auto insurance
• Teenage drivers are charged the highest prices, as much as $456 per month if they have full coverage
• Drivers can save approximately $180 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $550 each year
• Drivers can save approximately $180 per year simply by shopping early and online