Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive costs an estimated $300 a year, collision costs $540, and liability coverage is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $3,156. 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 broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $833
• Raising to $1,000 deductibles will save approximately $1,264 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,454
• Buying low $100 deductibles will increase the cost to $1,826
• Unlucky drivers with multiple tickets or accidents could pay up to $3,156 or more
• Policy cost for full coverage for a teenage driver can cost as much as $5,468

Insurance rates for a Lexus GX 460 also range considerably based on your risk profile, the model of your GX 460, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Your home state also has a big influence on Lexus GX 460 insurance rates. A middle-age driver might find rates 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 can reduce rates by up to $570 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be varied 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 Right Lexus GX 460 Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the concepts that were raised in the charts and tables above.

• Drivers with reckless driving or DUI convictions may pay on average $1,700 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $456 each month including comprehensive and collision insurance
• You may be able to save approximately $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• You may be able to save approximately $180 per year simply by quoting early and online