Lexus GX 460 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 15, 2024
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Average auto insurance rates for a Lexus GX 460 are $1,390 annually with full coverage. Comprehensive costs an estimated $288 each year, collision costs $484, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $3,008. Teens receive the highest rates at $5,254 a year or more.
Average premium for full coverage: $1,390
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and GX 460 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $510 for minimum levels of liability insurance to a high rate of $3,008 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on insurance prices.
These examples demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using averaged prices.
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 Details
The chart below details estimated Lexus GX 460 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $804
- Using higher $1,000 deductibles will save approximately $176 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,390
- Selecting low deductibles for physical damage coverage will cost $1,730
- Higher-risk drivers with serious driving violations could pay up to $3,008 or more
- The cost with full coverage for a teenage driver can cost as much as $5,254 or more
Insurance rates for a Lexus GX 460 can also vary considerably based on the trim level of your GX 460, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live 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 have to pay 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% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so the rates can be significantly different between companies.
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 Buy Cheap Lexus GX 460 Insurance
Saving money on auto insurance requires being a good driver, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a brief summary of the data touched on in this article.
- Consumers who want an increased level of liability coverage will pay approximately $510 every year to increase from a minimum limit to higher 250/500 limits
- You may be able to save approximately $170 per year simply by quoting online in advance
- Increasing deductibles could save up to $525 each year
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $438 per month including comprehensive and collision 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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