Lexus GX 460 Insurance Rates

The average insurance rates for a Lexus GX 460 are $1,454 a year including full coverage. Comprehensive insurance costs an estimated $300, collision insurance costs $540, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $3,156 or more. 16-year-old drivers cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different GX 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference 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 price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below breaks down average 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 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,454
• Buying more expensive low deductibles will cost an extra $372 annually
• Drivers with multiple tickets or accidents could pay up to $3,156
• Policy cost for full coverage for a 16-year-old driver with full coverage 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.

An older driver with no violations or accidents and high deductibles may pay as low as $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 prices. 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 annually, while increasing your policy's 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. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

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 More Affordable Lexus GX 460 Insurance

Finding cheaper rates on insurance for a Lexus GX 460 consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a summary of the information touched on above.

• You may be able to save approximately $180 per year just by shopping early and online
• Teenage drivers are expensive to insure, with premiums being up to $456 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,700 more annually for auto insurance
• Insureds who want higher levels of liability will pay around $500 per year to raise from a 30/60 limit to 250/500 limits