Lexus GX 460 Insurance Rates

U.S. average auto insurance rates for a Lexus GX 460 are $1,390 annually including full coverage. Comprehensive insurance costs around $288 a year, collision insurance costs $484, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $3,008 or more. Teen drivers pay the highest rates at up to $5,254 a year.

Average premium for full coverage: $1,390

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. 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 the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down average Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $804
• Raising to $1,000 deductibles will save about $1,214 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,390
• Choosing low $100 deductibles costs an additional $340 annually
• Drivers with multiple violations and an at-fault accident could pay at least $3,008
• The price with full coverage for a 16-year-old driver can be $5,254

Insurance prices for a Lexus GX 460 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $520 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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 $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,980 on average in Michigan, New York, and Louisiana.

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 Buy More Affordable Lexus GX 460 Insurance

Getting lower rates on insurance for a Lexus GX 460 consists of being a good driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the information raised in the charts and tables above.

• You may be able to save up to $170 per year just by quoting early and online
• Drivers age 16 to 20 pay higher prices, possibly costing $438 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $525 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,620 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay about $510 per year to raise from a low limit to higher 250/500 limits