Lexus GX 460 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

2016 Lexus GX 460 Car Insurance Cost in 2025

Did a good deal turn out to be high-priced car insurance? Don't feel bad because you're not the only one. People have multiple auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, more choices can make it harder to find a good deal. The method we recommend to get rate comparisons is to understand most of the larger companies pay for the opportuni...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 15, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Lexus GX 460 are $1,454 a year for full coverage. Comprehensive insurance costs around $300 a year, collision insurance costs $540, and liability insurance costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $3,156 or more. Teen drivers pay the most at up to $5,468 a year.

Average premium for full coverage: $1,454

Premium estimates for type of coverage:

Comprehensive $300
Collision $540
Liability $456

Prices are based on $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all states and GX 460 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lexus GX 460 range from as low as $508 for a discount liability-only rate to a high of $3,156 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,454
High Risk $3,156

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

These rate differences show why it is important to compare rates for a specific zip code and risk profile, rather than relying 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $833
  • Drivers who choose higher $1,000 deductibles will pay about $1,264 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,454
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $372 a year
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,156
  • An auto insurance policy for full coverage for a teen driver can be $5,468 a year

Car insurance prices for a Lexus GX 460 also have a wide range based on your driving characteristics, the trim level of your GX 460, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

Lexus GX 460 Insurance Rates by State
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%

Choosing high deductibles could save up to $570 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

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 $1,420 $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.

Lexus GX 460 Insurance Rates by Model Year
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 Find Affordable Lexus GX 460 Insurance

Finding better rates on Lexus GX 460 insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a brief review of the coverage data covered in the charts and tables above.

  • Drivers can save up to $180 per year just by quoting early and online
  • Increasing policy deductibles can save around $550 each year
  • Teens are the costliest to insure, as much as $456 per month if full coverage is included
  • High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,700 more every year for GX 460 insurance

Rates by Driver Age

Lexus GX 460 Insurance 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

Lexus GX 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,826
$250 $1,654
$500 $1,454
$1,000 $1,264

Full coverage, driver age 40

Rates by Liability Limit

Lexus GX 460 Insurance Rates with Different Liability Limits
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

Lexus GX 460 Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $833

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles