Lexus GX 460 Insurance Rates

U.S. average insurance rates for a Lexus GX 460 are $1,454 a year for full coverage insurance. Comprehensive insurance costs on average $300 a year, collision costs $540, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,156 or more. Teens pay the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Prices include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $833
• Raising to $1,000 deductibles will save around $1,264 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,454
• Selecting low $100 deductibles will cost an additional $372 annually
• Drivers with serious driving violations could pay upwards of $3,156 or more
• The price that insures a 16-year-old driver may cost $5,468

Car insurance prices for a Lexus GX 460 are also quite variable based on the trim level of your GX 460, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite 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 Right Lexus GX 460 Insurance

Getting lower rates on insurance for a Lexus GX 460 consists of having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a quick rundown of the data covered in the above illustrations.

• Insureds who require increased levels of liability coverage will pay approximately $500 annually to raise from a low limit to the 250/500 level
• It is possible to save as much as $180 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers age 20 and younger are expensive to insure, as much as $456 a month if full coverage is purchased