Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive insurance costs approximately $300 a year, collision costs $540, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $3,156 or more. 16-year-old drivers pay the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $833
• Drivers who choose higher $1,000 deductibles will pay $1,264 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,454
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $372 annually
• Drivers with multiple tickets or accidents could pay around $3,156 or more
• The price for full coverage for a 16-year-old driver can cost $5,468 a year

Insurance prices for a Lexus GX 460 are also quite variable based on your driving record, the model of your GX 460, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles could save up to $570 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Every company utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Low Cost Lexus GX 460 Insurance

Getting lower rates on insurance for a Lexus GX 460 not only requires having a decent driving record, but also maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a review of the data that was touched on in the above illustrations.

• You may be able to save around $180 per year simply by quoting early and online
• Insureds who purchase additional liability coverage will pay around $500 per year to go from a low limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $456 a month for full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,700 more per year than a driver with a clean driving record