Lexus GX 460 Insurance Rates

Estimated insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive insurance costs an estimated $300, collision costs $540, and liability is estimated at $456. A policy with only liability insurance costs approximately $508 a year, with a high-risk policy costing $3,156 or more. 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:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all GX 460 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

These rate differences highlight why everyone should get quotes for a targeted area, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $833
• Choosing higher $1,000 deductibles can save approximately $190 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,454
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $372 annually
• Higher-risk drivers with serious driving violations could pay up to $3,156 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $5,468 each year

Car insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,700 to $2,400 extra annually, depending on your age. Lexus GX 460 insurance for high-risk drivers ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 annually 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 plays a big part in determining prices for Lexus GX 460 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, whereas buying more liability protection will increase premiums. Changing 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

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer 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 Find the Best Cheap Lexus GX 460 Insurance

Finding better rates on insurance for a Lexus GX 460 takes being a good driver, having a positive credit history, refrain from filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a quick review of the information covered in the charts and tables above.

• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $456 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $550 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,700 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay approximately $500 per year to raise limits from 30/60 bodily injury limits to the 250/500 level