Lexus GX 460 Premium 4WD 4-Dr Insurance Rates

Average insurance rates for a Lexus GX 460 Premium 4WD 4-Dr are $1,662 a year for full coverage. Comprehensive insurance costs an estimated $410 each year, collision costs $730, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, with high-risk coverage costing $3,584 or more. Teenage drivers receive the highest rates at $5,938 a year or more.

Annual premium for full coverage: $1,662

Rate estimates broken down by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lexus GX 460 Trim Level

These differences show why all drivers should compare rates for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Lexus GX 460 Premium 4WD 4-Dr can also vary considerably based on your driver profile, the model year of your GX 460, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age

Where you live makes a big difference in Lexus GX 460 Premium 4WD 4-Dr insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $760 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

Chart shows Lexus GX 460 Premium 4WD 4-Dr insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $942. Drivers who use higher $1,000 deductibles will pay around $1,404. The average rate for a driver around age 40 using $500 deductibles is $1,662. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $2,164. Drivers with multiple violations and accidents could be charged as much as $3,584. The policy rate for full coverage for a teenage driver is $5,938.

View Chart as Image