Lexus GX 460 Insurance Rates

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

Average premium for full coverage: $1,454

Price estimates for individual coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and GX 460 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above show why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Information

The chart below shows estimated Lexus GX 460 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $833
• Choosing higher $1,000 deductibles can save about $190 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,454
• Buying low deductibles for comp and collision coverage costs an additional $372 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $3,156 or more
• The price with full coverage for a teen driver can be $5,468 each year

Auto insurance prices for a Lexus GX 460 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,700 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $570 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 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 $960 a year in states like Idaho, Maine, and Iowa, or at least $2,080 on average in Michigan, Louisiana, and New York.

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, 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 Low Cost Lexus GX 460 Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a review of the material that was presented in the illustrations above.

• Policyholders who may need increased liability limits will pay around $500 each year to raise limits from a low limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums as much as $456 a month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay an average of $1,700 more every year to insure a Lexus GX 460
• Increasing physical damage deductibles could save up to $550 each year