Lexus GX 460 Insurance Rates

U.S. average auto insurance rates for a Lexus GX 460 are $1,390 annually for full coverage. Comprehensive costs approximately $288, collision costs $484, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $3,008. 16-year-old drivers pay the highest rates at $5,254 a year or more.

Average premium for full coverage: $1,390

Price estimates by individual coverage:

Includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have fewer accident claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Details

The chart below shows estimated Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $804
• Choosing higher $1,000 deductibles can save $176 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,390
• Buying more expensive low deductibles for comp and collision coverage will cost $1,730
• Unlucky drivers with multiple tickets or accidents could pay around $3,008 or more
• The price with full coverage for a teen driver with full coverage can cost $5,254 each year

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $520 every year, while increasing your policy's liability limits will push prices upward. Going 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 prices. A good driver about age 40 could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $1,980 on average in New York, Louisiana, and Michigan.

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.

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 the Cheapest Lexus GX 460 Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a recap of the data touched on in this article.

• Policyholders who purchase higher levels of liability will pay around $510 each year to raise limits from a low limit to higher 250/500 limits
• Drivers can save around $170 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $525 each year
• Teenage drivers are expensive to insure, with premiums as much as $438 a month including comprehensive and collision insurance