Lexus GX 460 Insurance Rates

The average auto insurance rates for a Lexus GX 460 are $1,454 annually for full coverage insurance. Comprehensive costs around $300, collision insurance costs $540, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $3,156. Teens cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,454

Policy rates for type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different GX 460 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $833
• Choosing higher $1,000 deductibles can save about $190 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,454
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,826
• Drivers with serious driving violations could pay at least $3,156
• Policy cost with full coverage for a teenage driver with full coverage can be $5,468 each year

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.

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 Lexus GX 460 Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the material that was presented in the illustrations above.

• Consumers who may need increased levels of liability coverage will pay approximately $500 annually to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger pay higher rates, possibly costing $456 each month including comprehensive and collision insurance
• Drivers who tend to receive serious violations pay on average $1,700 more every year to buy Lexus GX 460 insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year