Lexus GX 460 Insurance Rates

Estimated auto insurance rates for a Lexus GX 460 are $1,496 annually including full coverage. Comprehensive costs approximately $312, collision insurance costs $574, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $3,248. Teen drivers pay the most at up to $5,596 a year.

Average premium for full coverage: $1,496

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist 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 has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $855
• Choosing higher $1,000 deductibles can save $200 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,496
• Choosing pricier low deductibles for comp and collision coverage will cost $1,888
• Drivers with multiple violations and an at-fault accident could pay around $3,248
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost $5,596 each year

Insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,400 extra annually, depending on your age. Lexus GX 460 insurance for high-risk drivers ranges around 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $600 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,140 on average in Louisiana, New York, and Michigan.

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 Buy the Cheapest Lexus GX 460 Insurance

Finding better rates on auto insurance takes having a decent driving record, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a recap of the concepts that were presented in the illustrations above.

• Drivers that have major violations or accidents may have to pay on average $1,750 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $466 per month including comprehensive and collision insurance
• You may be able to save around $180 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $600 each year
• You may be able to save around $180 per year just by quoting online well ahead of the renewal date