Lexus GX 460 Insurance Rates

Estimated insurance prices for a Lexus GX 460 are $1,390 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $288, collision costs $484, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $3,008 or more. Teens pay the most at $5,254 a year or more.

Average premium for full coverage: $1,390

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different GX 460 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $804
• Using higher $1,000 deductibles will save $176 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,390
• Selecting more expensive low deductibles for physical damage coverage costs an extra $340 every year
• Drivers with serious driving violations could pay around $3,008 or more
• An auto insurance policy to insure a teen driver with full coverage can cost $5,254 or more

Car insurance prices for a Lexus GX 460 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your GX 460.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $520 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,880 on average in Florida, New York, and Michigan.

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Each insurance company calculates prices differently, so rate quotes 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 Cheaper Lexus GX 460 Insurance

Finding better rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to compare rates once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a condensed summary of the data that was covered in the above illustrations.

• It is possible to save around $170 per year simply by shopping early and online
• Policyholders who purchase increased liability limits will pay approximately $510 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 pay the highest auto insurance prices, with premiums being up to $438 per month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,620 more per year to insure a Lexus GX 460