Lexus GX 460 Insurance Rates

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

Average premium for full coverage: $1,454

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all GX 460 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why everyone should compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $833
• Drivers who choose higher $1,000 deductibles will pay about $190 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,454
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,826
• High risk drivers with multiple tickets or accidents could pay at least $3,156 or more
• The price for full coverage for a teen driver for full coverage can be $5,468 a year

Car insurance prices for a Lexus GX 460 are also quite variable based on your driving record, the model of your GX 460, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $570 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,400 extra each year, depending on your age. Lexus GX 460 insurance for high-risk drivers can cost anywhere 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 your exact price is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, so rate quotes 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 the Cheapest Lexus GX 460 Insurance

Getting lower rates on Lexus GX 460 insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a recap of the ideas that were presented in the illustrations above.

• Teenagers are the costliest to insure, possibly costing $456 a month if full coverage is included
• High-risk drivers that have major violations or accidents pay on average $1,700 more every year for car insurance
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date