Lexus GX 460 Insurance Rates

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

Average premium for full coverage: $1,390

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. 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 can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area 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, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts 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
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,730
• Unlucky drivers with serious driving violations could pay up to $3,008 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $5,254 each year

Auto 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 good driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have 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 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 every 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 extra every 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 $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,880 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and quoted 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 Affordable Lexus GX 460 Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the coverage data covered in the above illustrations.

• You may be able to save approximately $170 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $525 each year
• Teenagers are the costliest to insure, costing up to $438 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,620 more annually for car insurance