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 $1,454 a year with full coverage. Comprehensive costs on average $300, collision insurance costs $540, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs around $3,156. Teen drivers pay the highest rates at up to $5,468 a year.
Average premium for full coverage: $1,454
Price estimates by individual coverage:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different GX 460 trim levels.
Price Range from Low to High
For the average driver, Lexus GX 460 insurance prices range from as low as $508 for basic liability insurance to a much higher rate of $3,156 for coverage for higher-risk drivers.
Geographic Price Range
Your location can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, 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.
Rate Comparisons
The chart below details average Lexus GX 460 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $833
- Drivers who choose higher $1,000 deductibles will pay around $190 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,454
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,826
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,156
- The price for full coverage for a 16-year-old driver with full coverage may cost $5,468 a year
Insurance prices for a Lexus GX 460 are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age
The state you live in makes a big difference in Lexus GX 460 insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,970 on average in Florida, Michigan, 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% |
Choosing high deductibles could save up to $570 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost from 44% to 130% more than average. View High Risk Driver Rates
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 Find Low Cost Lexus GX 460 Insurance
Getting lower rates on insurance for a Lexus GX 460 not only requires avoiding accidents and claims, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around at least once a year by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The points below are a review of the primary concepts that were touched on above.
- You may be able to save as much as $180 per year just by shopping early and online
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,700 more each year to insure a Lexus GX 460
- Increasing physical damage deductibles can save around $550 each year
- Drivers under the age of 20 pay the highest prices, costing up to $456 a month for full coverage
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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