Lexus GX 460 Insurance Rates
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UPDATED: Apr 15, 2024
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Average insurance rates for a Lexus GX 460 are $1,496 a year for full coverage. Comprehensive costs around $312, collision costs $574, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $3,248. Teen drivers receive the highest rates at $5,596 a year or more.
Average premium for full coverage: $1,496
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different GX 460 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $504 for just liability insurance to a much higher rate of $3,248 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why anyone shopping for car insurance should 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.
More Rate Details
The chart below shows estimated Lexus GX 460 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $855
- Drivers who choose higher $1,000 deductibles will pay about $200 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,496
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,888
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,248 or more
- The cost for full coverage for a teen driver with full coverage can be $5,596 a year
Insurance rates for a Lexus GX 460 can also vary considerably based on your driver profile, the trim level of your GX 460, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age
Where you live makes a big difference in Lexus GX 460 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or as much as $2,140 on average in Michigan, Louisiana, 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% |
Choosing high deductibles could save up to $600 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates 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 | $1,460 | $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 Lexus GX 460 Insurance
Saving money on Lexus GX 460 insurance not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.
The points below are a brief recap of the concepts that were covered above.
- High-risk drivers who tend to receive serious violations may be required to pay an average of $1,750 more every year to insure a Lexus GX 460
- Drivers under the age of 20 pay higher rates, costing as high as $466 per month for full coverage
- Drivers can save up to $180 per year simply by shopping early and online
- Increasing deductibles can save around $600 each year
- Drivers can save up to $180 per year simply by shopping early and online
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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