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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Average insurance prices for a Lexus GX 460 are $1,454 every 12 months for full coverage. Comprehensive insurance costs around $300, collision insurance costs $540, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs $3,156 or more. Teenage drivers receive the highest rates at up to $5,468 a year.
Average premium for full coverage: $1,454
Rate estimates for individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist 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 $508 for liability-only coverage to a much higher rate of $3,156 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.
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 Charts and Tables
The chart below shows average Lexus GX 460 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $833
- Using higher $1,000 deductibles will save about $190 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,454
- Using more expensive low deductibles for physical damage coverage costs an extra $372 annually
- High-risk insureds who are prone to accidents and violations could pay at least $3,156
- The cost to insure a 16-year-old driver with full coverage can be $5,468 or more
Insurance rates for a Lexus GX 460 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $570 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance can be from 44% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.
| 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 Shop for the Cheapest Lexus GX 460 Insurance
Saving money on insurance for a Lexus GX 460 requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a recap of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,700 more every year than a low-risk driver
- Youthful drivers are charged the highest rates, costing as high as $456 per month if full coverage is included
- Drivers can save up to $180 per year just by shopping early and online
- Increasing deductibles could save as much as $550 each year
- Drivers can save up to $180 per year just by shopping early and online
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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