Lexus GX 460 Insurance Rates

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UPDATED: Apr 15, 2024

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U.S. average auto insurance rates for a Lexus GX 460 are $1,390 annually including full coverage. Comprehensive insurance costs around $288 a year, collision insurance costs $484, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $3,008 or more. Teen drivers pay the highest rates at up to $5,254 a year.

Average premium for full coverage: $1,390

Price estimates for individual coverage:

Comprehensive $288
Collision $484
Liability $460

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and GX 460 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Lexus GX 460 insurance prices range from as cheap as $510 for minimum levels of liability insurance to a high of $3,008 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,390
High Risk $3,008

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,043
Small Cities $1,460
Large Cities $1,877

The ranges above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price 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.

Additional Rate Details

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

  • The lowest rate with discounts is $804
  • Raising to $1,000 deductibles will save about $1,214 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,390
  • Choosing low $100 deductibles costs an additional $340 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $3,008
  • The price with full coverage for a 16-year-old driver can be $5,254

Insurance prices for a Lexus GX 460 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 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 as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $520 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 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 prices. A middle-age driver might find prices as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,980 on average in Michigan, New York, and Louisiana.

Lexus GX 460 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,258 -$132 -9.5%
Alaska $1,066 -$324 -23.3%
Arizona $1,154 -$236 -17.0%
Arkansas $1,390 -$0 0.0%
California $1,584 $194 14.0%
Colorado $1,328 -$62 -4.5%
Connecticut $1,430 $40 2.9%
Delaware $1,574 $184 13.2%
Florida $1,740 $350 25.2%
Georgia $1,284 -$106 -7.6%
Hawaii $998 -$392 -28.2%
Idaho $942 -$448 -32.2%
Illinois $1,036 -$354 -25.5%
Indiana $1,048 -$342 -24.6%
Iowa $938 -$452 -32.5%
Kansas $1,322 -$68 -4.9%
Kentucky $1,898 $508 36.5%
Louisiana $2,058 $668 48.1%
Maine $858 -$532 -38.3%
Maryland $1,148 -$242 -17.4%
Massachusetts $1,114 -$276 -19.9%
Michigan $2,416 $1,026 73.8%
Minnesota $1,166 -$224 -16.1%
Mississippi $1,664 $274 19.7%
Missouri $1,234 -$156 -11.2%
Montana $1,494 $104 7.5%
Nebraska $1,096 -$294 -21.2%
Nevada $1,670 $280 20.1%
New Hampshire $1,004 -$386 -27.8%
New Jersey $1,556 $166 11.9%
New Mexico $1,234 -$156 -11.2%
New York $1,466 $76 5.5%
North Carolina $800 -$590 -42.4%
North Dakota $1,138 -$252 -18.1%
Ohio $960 -$430 -30.9%
Oklahoma $1,430 $40 2.9%
Oregon $1,274 -$116 -8.3%
Pennsylvania $1,326 -$64 -4.6%
Rhode Island $1,856 $466 33.5%
South Carolina $1,258 -$132 -9.5%
South Dakota $1,172 -$218 -15.7%
Tennessee $1,218 -$172 -12.4%
Texas $1,676 $286 20.6%
Utah $1,030 -$360 -25.9%
Vermont $952 -$438 -31.5%
Virginia $832 -$558 -40.1%
Washington $1,076 -$314 -22.6%
West Virginia $1,274 -$116 -8.3%
Wisconsin $964 -$426 -30.6%
Wyoming $1,240 -$150 -10.8%

Insurance Rates by Trim Level and Model Year

Lexus GX 460 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus GX 460 4WD 4-Dr $1,360 $113
Lexus GX 460 Premium 4WD 4-Dr $1,390 $116

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.

Lexus GX 460 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Lexus GX 460 $356 $668 $416 $1,598
2022 Lexus GX 460 $344 $640 $430 $1,572
2021 Lexus GX 460 $326 $618 $442 $1,544
2019 Lexus GX 460 $300 $540 $456 $1,454
2018 Lexus GX 460 $288 $484 $460 $1,390
2016 Lexus GX 460 $260 $418 $464 $1,300

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 More Affordable Lexus GX 460 Insurance

Getting lower rates on insurance for a Lexus GX 460 consists of being a good driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the information raised in the charts and tables above.

  • You may be able to save up to $170 per year just by quoting early and online
  • Drivers age 16 to 20 pay higher prices, possibly costing $438 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles could save up to $525 each year
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,620 more every year than a safer driver
  • Insureds who may need an increased level of liability coverage will pay about $510 per year to raise from a low limit to higher 250/500 limits

Rates by Driver Age

Lexus GX 460 Insurance Rates by Driver Age
Driver Age Premium
16 $5,254
20 $3,198
30 $1,442
40 $1,390
50 $1,270
60 $1,246

Full coverage, $500 deductibles

Rates by Deductible

Lexus GX 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,730
$250 $1,572
$500 $1,390
$1,000 $1,214

Full coverage, driver age 40

Rates by Liability Limit

Lexus GX 460 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,390
50/100 $1,482
100/300 $1,597
250/500 $1,896
100 CSL $1,528
300 CSL $1,781
500 CSL $1,965

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GX 460 Insurance Rates for High Risk Drivers
Age Premium
16 $7,484
20 $5,094
30 $3,068
40 $3,008
50 $2,874
60 $2,848

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.

SR-22 Surcharge $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $22
5-yr Accident Free $99
5-yr Claim Free $90
Paid in Full/EFT $61
Advance Quote $67
Online Quote $99
Total Discounts $586
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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