Lexus GX 460 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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The average insurance rates for a Lexus GX 460 are $1,390 a year with full coverage. Comprehensive costs an estimated $288 a year, collision insurance costs $484, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $3,008. 16-year-old drivers cost the most to insure at up to $5,254 a year.
Average premium for full coverage: $1,390
Policy rates broken down by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and GX 460 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Lexus GX 460 insurance rates range from as low as $510 for just the minimum liability insurance to a high of $3,008 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.
The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, rather than using 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 Analysis
The chart below details average Lexus GX 460 insurance rates for other coverage scenarios.
- The best full coverage rate is $804
- Using higher $1,000 deductibles will save approximately $1,214 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,390
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,730
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,008
- Policy cost for full coverage for a teenage driver can cost as much as $5,254 or more
Insurance rates for a Lexus GX 460 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age
Your home state 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 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be around 44% to 136% more than the average rate. 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 | $1,360 | $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 the Best Cheap Lexus GX 460 Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and violations, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a quick review of the coverage data raised in the charts and tables above.
- You may be able to save approximately $170 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $525 each year
- Teenagers are charged the highest rates, as much as $438 each month for full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,620 more annually for car insurance
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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