Lexus GX 460 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Estimated auto insurance rates for a Lexus GX 460 are $1,496 annually for full coverage insurance. Comprehensive costs approximately $312, collision costs $574, and liability insurance is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $3,248. Teenage drivers pay the most at $5,596 a year or more.

Average premium for full coverage: $1,496

Premium estimates by type of coverage:

Comprehensive $312
Collision $574
Liability $452

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different GX 460 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Lexus GX 460 go from as cheap as $504 for just the minimum liability insurance to a much higher rate of $3,248 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,496
High Risk $3,248

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $1,122
Small Cities $1,571
Large Cities $2,020

These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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 Analysis

The chart below illustrates estimated Lexus GX 460 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $855
  • Choosing higher $1,000 deductibles can save $200 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,496
  • Using more expensive low deductibles for comp and collision coverage will cost $1,888
  • High-risk insureds who are prone to accidents and violations could pay around $3,248 or more
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,596 each year

Insurance prices for a Lexus GX 460 also have a wide range based on the model of your GX 460, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus GX 460 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,020 on average in Florida, New York, and Michigan.

Lexus GX 460 Insurance Rates by State
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%

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different between companies.

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 $1,460 $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.

Lexus GX 460 Insurance Rates by Model Year
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 Buy the Best Cheap Lexus GX 460 Insurance

Finding better rates on Lexus GX 460 insurance takes being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the data that was illustrated above.

  • It is possible to save around $180 per year simply by shopping early and online
  • Drivers who purchase more liability coverage will pay an extra $500 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • Teen drivers are expensive to insure, with premiums being up to $466 per month including comprehensive and collision insurance
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,750 more per year to insure their GX 460

Rates by Driver Age

Lexus GX 460 Insurance 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

Lexus GX 460 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,888
$250 $1,706
$500 $1,496
$1,000 $1,296

Full coverage, driver age 40

Rates by Liability Limit

Lexus GX 460 Insurance Rates with Different Liability Limits
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

Lexus GX 460 Insurance 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.

SR-22 Surcharge $211

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
Rate after discounts $855

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

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