Lexus GX 460 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 15, 2024
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Estimated auto insurance rates for a Lexus GX 460 are $1,454 annually including full coverage. Comprehensive costs around $300 each year, collision insurance costs $540, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $3,156. 16-year-old drivers pay the most at up to $5,468 a year.
Average premium for full coverage: $1,454
Premium estimates for type of coverage:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GX 460 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus GX 460 range from as cheap as $508 for just liability insurance to a high rate of $3,156 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.
These rate differences highlight 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average 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 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,454
- Buying low deductibles for comp and collision coverage will cost $1,826
- Unlucky drivers with multiple tickets or accidents could pay at least $3,156
- An auto insurance policy with full coverage for a teen driver can be $5,468 each year
Insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your driving characteristics, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, 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 violations or you caused a few accidents, you are likely paying at least $1,700 to $2,400 extra annually, 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. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Lexus GX 460 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,390 | -$64 | -4.4% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,648 | $194 | 13.3% |
| Florida | $1,822 | $368 | 25.3% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,046 | -$408 | -28.1% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,084 | -$370 | -25.4% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $980 | -$474 | -32.6% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,986 | $532 | 36.6% |
| Louisiana | $2,152 | $698 | 48.0% |
| Maine | $900 | -$554 | -38.1% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,146 | -$308 | -21.2% |
| Nevada | $1,744 | $290 | 19.9% |
| New Hampshire | $1,048 | -$406 | -27.9% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,288 | -$166 | -11.4% |
| New York | $1,532 | $78 | 5.4% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,190 | -$264 | -18.2% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,494 | $40 | 2.8% |
| Oregon | $1,334 | -$120 | -8.3% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,940 | $486 | 33.4% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,272 | -$182 | -12.5% |
| Texas | $1,752 | $298 | 20.5% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $998 | -$456 | -31.4% |
| Virginia | $872 | -$582 | -40.0% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,298 | -$156 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GX 460 4WD 4-Dr | $1,420 | $118 |
| Lexus GX 460 Premium 4WD 4-Dr | $1,454 | $121 |
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 | $370 | $686 | $398 | $1,612 |
| 2022 Lexus GX 460 | $356 | $668 | $416 | $1,598 |
| 2021 Lexus GX 460 | $344 | $640 | $430 | $1,572 |
| 2019 Lexus GX 460 | $312 | $574 | $452 | $1,496 |
| 2018 Lexus GX 460 | $300 | $540 | $456 | $1,454 |
| 2016 Lexus GX 460 | $270 | $446 | $460 | $1,334 |
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 Buy the Right Lexus GX 460 Insurance
Finding better rates on car insurance takes not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every other renewal by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a quick rundown of the concepts that were illustrated above.
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,700 more every year for GX 460 insurance
- Teens pay higher prices, with the cost nearing $456 per month including comprehensive and collision insurance
- You may be able to save up to $180 per year just by quoting online in advance
- Increasing policy deductibles could save up to $550 each year
- You may be able to save up to $180 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,468 |
| 20 | $3,360 |
| 30 | $1,514 |
| 40 | $1,454 |
| 50 | $1,330 |
| 60 | $1,304 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,826 |
| $250 | $1,654 |
| $500 | $1,454 |
| $1,000 | $1,264 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,545 |
| 100/300 | $1,659 |
| 250/500 | $1,956 |
| 100 CSL | $1,591 |
| 300 CSL | $1,842 |
| 500 CSL | $2,024 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,804 |
| 20 | $5,354 |
| 30 | $3,220 |
| 40 | $3,156 |
| 50 | $3,014 |
| 60 | $2,988 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $621 |
Discounts are estimated and may not be available from every company or in every state.
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