Lexus GX 460 Insurance Rates

The average insurance prices for a Lexus GX 460 are $1,496 every 12 months including full coverage. Comprehensive costs on average $312 each year, collision costs $574, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $3,248. Teen drivers cost the most to insure at $5,596 a year or more.

Average premium for full coverage: $1,496

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and GX 460 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $855
• Drivers who choose higher $1,000 deductibles will pay around $200 every year
• The average price for a good driver age 40 with $500 deductibles is $1,496
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,888
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,248 or more
• Policy cost to insure a teen driver may cost $5,596 a year

Insurance rates for a Lexus GX 460 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your GX 460.

Choosing high deductibles could save up to $600 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,140 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and 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 Shop for the Best Lexus GX 460 Insurance

Finding cheaper rates on Lexus GX 460 insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the coverage data covered in the charts and tables above.

• You may be able to save as much as $180 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Youthful drivers pay higher rates, with premiums being up to $466 each month if full coverage is included
• High-risk drivers who tend to receive serious violations may pay on average $1,750 more each year than a low-risk driver