Lexus GX 460 Insurance Rates
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Michelle Robbins
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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 rates for a Lexus GX 460 are $1,390 a year with full coverage. Comprehensive costs an estimated $288 each year, collision costs $484, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $3,008. 16-year-old drivers receive the highest rates at $5,254 a year or more.
Average premium for full coverage: $1,390
Rate estimates broken down by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and GX 460 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $510 for the bare minimum liability coverage to a high rate of $3,008 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities.
The graphic below illustrates the difference location can make on insurance prices.
These examples demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than relying 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.
Additional Rate Information
The chart below details estimated Lexus GX 460 insurance rates for other coverage scenarios.
- The best full coverage rate is $804
- Using higher $1,000 deductibles will save approximately $176 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,390
- Buying low deductibles for physical damage coverage will increase the cost to $1,730
- Drivers with multiple tickets or accidents could pay up to $3,008 or more
- The cost for full coverage for a teen driver can cost as much as $5,254 or more
Car insurance rates for a Lexus GX 460 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,200 a year. View Rates by Age
Where you live has a huge impact on Lexus GX 460 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,880 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $520 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Low Cost Lexus GX 460 Insurance
Saving money on Lexus GX 460 insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Make time to compare rates every other policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a review of the ideas that were touched on in this article.
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $438 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,620 more annually than a driver with a clean driving record
- Increasing deductibles can save around $525 each year
- You may be able to save approximately $170 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,730 |
| $250 | $1,572 |
| $500 | $1,390 |
| $1,000 | $1,214 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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