Lexus GX 460 Insurance Rates
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UPDATED: Apr 15, 2024
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Average insurance prices for a Lexus GX 460 are $1,496 every 12 months for full coverage. Comprehensive costs an estimated $312, collision insurance costs $574, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $3,248. Teens receive the highest rates at up to $5,596 a year.
Average premium for full coverage: $1,496
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different GX 460 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $504 for just liability insurance to a much higher rate of $3,248 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Lexus GX 460 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $855
- Using higher $1,000 deductibles will save approximately $200 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,496
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,888
- Drivers with serious driving violations could pay up to $3,248
- The cost to insure a teen driver with full coverage can cost as much as $5,596 or more
Car insurance rates for a Lexus GX 460 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,140 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,352 | -$144 | -9.6% |
| Alaska | $1,148 | -$348 | -23.3% |
| Arizona | $1,242 | -$254 | -17.0% |
| Arkansas | $1,496 | -$0 | 0.0% |
| California | $1,704 | $208 | 13.9% |
| Colorado | $1,428 | -$68 | -4.5% |
| Connecticut | $1,540 | $44 | 2.9% |
| Delaware | $1,694 | $198 | 13.2% |
| Florida | $1,874 | $378 | 25.3% |
| Georgia | $1,382 | -$114 | -7.6% |
| Hawaii | $1,074 | -$422 | -28.2% |
| Idaho | $1,012 | -$484 | -32.4% |
| Illinois | $1,116 | -$380 | -25.4% |
| Indiana | $1,126 | -$370 | -24.7% |
| Iowa | $1,010 | -$486 | -32.5% |
| Kansas | $1,422 | -$74 | -4.9% |
| Kentucky | $2,040 | $544 | 36.4% |
| Louisiana | $2,216 | $720 | 48.1% |
| Maine | $924 | -$572 | -38.2% |
| Maryland | $1,234 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$300 | -20.1% |
| Michigan | $2,600 | $1,104 | 73.8% |
| Minnesota | $1,252 | -$244 | -16.3% |
| Mississippi | $1,792 | $296 | 19.8% |
| Missouri | $1,328 | -$168 | -11.2% |
| Montana | $1,606 | $110 | 7.4% |
| Nebraska | $1,180 | -$316 | -21.1% |
| Nevada | $1,796 | $300 | 20.1% |
| New Hampshire | $1,080 | -$416 | -27.8% |
| New Jersey | $1,674 | $178 | 11.9% |
| New Mexico | $1,326 | -$170 | -11.4% |
| New York | $1,576 | $80 | 5.3% |
| North Carolina | $862 | -$634 | -42.4% |
| North Dakota | $1,226 | -$270 | -18.0% |
| Ohio | $1,034 | -$462 | -30.9% |
| Oklahoma | $1,536 | $40 | 2.7% |
| Oregon | $1,370 | -$126 | -8.4% |
| Pennsylvania | $1,428 | -$68 | -4.5% |
| Rhode Island | $1,998 | $502 | 33.6% |
| South Carolina | $1,356 | -$140 | -9.4% |
| South Dakota | $1,262 | -$234 | -15.6% |
| Tennessee | $1,310 | -$186 | -12.4% |
| Texas | $1,804 | $308 | 20.6% |
| Utah | $1,108 | -$388 | -25.9% |
| Vermont | $1,024 | -$472 | -31.6% |
| Virginia | $896 | -$600 | -40.1% |
| Washington | $1,156 | -$340 | -22.7% |
| West Virginia | $1,370 | -$126 | -8.4% |
| Wisconsin | $1,036 | -$460 | -30.7% |
| Wyoming | $1,332 | -$164 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GX 460 4WD 4-Dr | $1,460 | $122 |
| Lexus GX 460 Premium 4WD 4-Dr | $1,496 | $125 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Lexus GX 460 | $384 | $690 | $390 | $1,622 |
| 2022 Lexus GX 460 | $370 | $686 | $398 | $1,612 |
| 2021 Lexus GX 460 | $356 | $668 | $416 | $1,598 |
| 2019 Lexus GX 460 | $326 | $618 | $442 | $1,544 |
| 2018 Lexus GX 460 | $312 | $574 | $452 | $1,496 |
| 2016 Lexus GX 460 | $288 | $484 | $460 | $1,390 |
Rates are averaged for all Lexus GX 460 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Lexus GX 460 Insurance
Saving money on Lexus GX 460 insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a brief recap of the car insurance concepts raised in the charts and tables above.
- High-risk drivers who tend to receive serious violations pay on average $1,750 more annually to insure a Lexus GX 460
- Drivers can save approximately $180 per year just by shopping early and online
- Increasing deductibles could save as much as $600 each year
- Drivers who want increased liability limits will pay approximately $500 each year to increase from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,596 |
| 20 | $3,460 |
| 30 | $1,560 |
| 40 | $1,496 |
| 50 | $1,366 |
| 60 | $1,340 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,888 |
| $250 | $1,706 |
| $500 | $1,496 |
| $1,000 | $1,296 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,496 |
| 50/100 | $1,586 |
| 100/300 | $1,699 |
| 250/500 | $1,993 |
| 100 CSL | $1,632 |
| 300 CSL | $1,880 |
| 500 CSL | $2,061 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,996 |
| 20 | $5,512 |
| 30 | $3,318 |
| 40 | $3,248 |
| 50 | $3,100 |
| 60 | $3,074 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $80 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $69 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $641 |
Discounts are estimated and may not be available from every company or in every state.
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