Lexus GX 460 Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average insurance rates for a Lexus GX 460 are $1,496 a year with full coverage. Comprehensive insurance costs around $312, collision insurance costs $574, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $3,248 or more. 16-year-old drivers pay the highest rates at up to $5,596 a year.
Average premium for full coverage: $1,496
Price estimates for individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all GX 460 models.
Price Range from Low to High
For a 40-year-old driver, Lexus GX 460 insurance prices range from the low end price of $504 for a discount liability-only rate to the much higher price of $3,248 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details average Lexus GX 460 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $855
- Choosing higher $1,000 deductibles can save about $200 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,496
- Buying pricier low deductibles for comp and collision coverage will cost an additional $392 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,248
- The price that insures a 16-year-old driver for full coverage can be $5,596 each year
Insurance prices for a Lexus GX 460 are also quite variable based on the model of your GX 460, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,800 to $2,400 additional each year, depending on your age. Lexus GX 460 insurance for high-risk drivers ranges from 43% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lexus GX 460 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or at least $2,020 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $600 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Lexus GX 460 Insurance
Getting lower rates on insurance for a Lexus GX 460 takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at every other renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a quick review of the concepts that were illustrated above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,750 more every year to insure their GX 460
- Teen drivers are charged the highest prices, costing up to $466 a month if comprehensive and collision insurance is included
- You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $600 each year
- You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
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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