Lexus GX 460 Insurance Rates

Average insurance prices for a Lexus GX 460 are $1,390 every 12 months for full coverage. Comprehensive insurance costs an estimated $288 a year, collision costs $484, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $3,008 or more. 16-year-old drivers receive the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples show why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $804
• Drivers who choose higher $1,000 deductibles will pay approximately $1,214 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,390
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $340 annually
• Drivers with multiple tickets or accidents could pay up to $3,008 or more
• The cost to insure a 16-year-old driver can cost as much as $5,254 a year

Auto insurance rates for a Lexus GX 460 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $520 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $1,980 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly 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 the Cheapest Lexus GX 460 Insurance

Saving money on insurance for a Lexus GX 460 not only requires avoiding accidents and claims, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a recap of the information covered above.

• Drivers can save approximately $170 per year simply by quoting early and online
• Drivers under the age of 20 are the costliest to insure, costing as high as $438 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $525 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,620 more annually to insure a Lexus GX 460
• Insureds who want increased liability limits will pay around $510 each year to go from a minimum limit to a 250/500 level