Lexus GX 460 Insurance Rates

The average auto insurance rates for a Lexus GX 460 are $1,390 annually for full coverage. Comprehensive insurance costs an estimated $288, collision insurance costs $484, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $3,008 or more. Teens cost the most to insure at up to $5,254 a year.

Average premium for full coverage: $1,390

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different GX 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $804
• Using higher $1,000 deductibles will save approximately $176 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,390
• Selecting more expensive low deductibles for physical damage coverage costs an additional $340 a year
• Drivers with serious driving violations could pay up to $3,008
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,254 or more

Insurance rates for a Lexus GX 460 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, 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 a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,980 on average in New York, Louisiana, and Michigan.

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 Best Cheap Lexus GX 460 Insurance

Finding cheaper rates on Lexus GX 460 insurance requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the material that was covered in the charts and tables above.

• Drivers who want an increased level of liability coverage will pay approximately $510 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, costing up to $438 each month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,620 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save up to $525 each year