Lexus GX 460 Insurance Rates

Average insurance rates for a Lexus GX 460 are $1,454 a year for full coverage insurance. Comprehensive costs an estimated $300, collision costs $540, and liability insurance is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing around $3,156. 16-year-old drivers receive the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,454

Rate estimates broken down by individual coverage type:

Includes $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different GX 460 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below illustrates 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 $190 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,454
• Buying more expensive low deductibles bumps up the cost to $1,826
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,156 or more
• The cost that insures a teen driver with full coverage can cost as much as $5,468

Auto insurance rates for a Lexus GX 460 can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

Where you live also has a big influence on Lexus GX 460 insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance 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 Find the Cheapest Lexus GX 460 Insurance

Saving money on Lexus GX 460 insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a recap of the information covered in the charts and tables above.

• It is possible to save approximately $180 per year simply by shopping early and online
• Teens are the costliest to insure, costing up to $456 per month if the policy includes full coverage
• Increasing deductibles can save approximately $550 each year
• High-risk drivers that have major violations or accidents may have to pay on average $1,700 more annually for GX 460 insurance
• Drivers who want higher liability limits will pay around $500 annually to raise from a minimum limit to the 250/500 level