Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,454 a year for full coverage. Comprehensive insurance costs approximately $300, collision costs $540, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $3,156 or more. 16-year-old drivers cost the most to insure at $5,468 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different GX 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $833
• Using higher $1,000 deductibles will save $190 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,454
• Buying more expensive low deductibles for physical damage coverage will cost an additional $372 annually
• High-risk insureds with multiple tickets or accidents could pay around $3,156 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,468 or more

Insurance rates for a Lexus GX 460 also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be from 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or at least $2,080 on average in New York, Louisiana, and Michigan.

Opting for high physical damage deductibles could cut rates by as much as $570 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied.

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 Affordable Lexus GX 460 Insurance

Finding cheaper rates on insurance for a Lexus GX 460 requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following items are a brief review of the coverage data covered above.

• Drivers can save around $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $456 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,700 more per year than a driver with a clean driving record