Lexus GX 460 Insurance Rates

U.S. average auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage insurance. Comprehensive insurance costs approximately $300 a year, collision insurance costs $540, and liability insurance is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs $3,156 or more. 16-year-old drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Rates are based on $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and GX 460 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Lexus GX 460 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $833
• Raising to $1,000 deductibles will save $1,264 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,454
• Buying low $100 deductibles costs an additional $372 a year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,156
• The price with full coverage for a teen driver can cost $5,468

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 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 in the ballpark of $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $570 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 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 rates. A middle-age driver might find prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, 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

Getting lower rates on Lexus GX 460 insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

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

• It is possible to save around $180 per year just by quoting early and online
• Drivers who purchase higher liability limits will pay around $500 annually to raise from a low limit to higher 250/500 limits
• Teens are expensive to insure, as much as $456 a month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,700 more per year for GX 460 insurance