Lexus GX 460 Insurance Rates

Estimated auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage. Comprehensive insurance costs on average $300 each year, collision costs $540, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $3,156 or more. Teenage drivers pay the most at $5,468 a year or more.

Average premium for full coverage: $1,454

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The best discount rate is $833
• Using higher $1,000 deductibles will save around $190 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,454
• Using low deductibles for physical damage coverage costs an additional $372 a year
• Drivers who are prone to accidents and violations could pay upwards of $3,156 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,468 or more

Auto insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $570 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

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 Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 the Best Lexus GX 460 Insurance

Finding better rates on Lexus GX 460 insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at least once a year by requesting rates from direct carriers, and also from local insurance agents.

Below is a brief recap of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $180 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,700 more each year for auto insurance
• Increasing policy deductibles could save up to $550 each year
• Teenage drivers are charged the highest prices, as much as $456 per month if full coverage is included