Lexus GX 460 Insurance Rates

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

Average premium for full coverage: $1,390

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

The chart below details average Lexus GX 460 insurance rates for other coverage scenarios.

• The best discount rate is $804
• Choosing higher $1,000 deductibles can save approximately $176 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,390
• Using more expensive low deductibles for comp and collision coverage costs an additional $340 each year
• Drivers who are prone to accidents and violations could pay up to $3,008
• The price with full coverage for a teenage driver with full coverage can cost as much as $5,254 each year

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $520 a year, while increasing your policy's liability limits will increase premiums. Moving 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 plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,880 on average in New York, Michigan, and Florida.

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 Cheap Lexus GX 460 Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the primary concepts that were touched on in this article.

• You may be able to save approximately $170 per year just by shopping early and online
• Drivers that tend to have accidents or serious violations pay on average $1,620 more annually to insure their GX 460
• Increasing physical damage deductibles could save up to $525 each year
• Teen drivers are charged the highest prices, costing up to $438 a month including comprehensive and collision insurance