Lexus GX 460 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Lexus GX 460 are $1,390 a year including full coverage. Comprehensive insurance costs around $288, collision insurance costs $484, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $3,008 or more. Teen drivers pay the highest rates at up to $5,254 a year.
Average premium for full coverage: $1,390
Price estimates for individual coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different GX 460 trim levels.
Price Range from Low to High
For a driver around age 40, Lexus GX 460 insurance prices range from as low as $510 for basic liability insurance to a much higher rate of $3,008 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code 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 breaks down average Lexus GX 460 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $804
- Using higher $1,000 deductibles will save about $176 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,390
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $340 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,008
- The price for full coverage for a 16-year-old driver with full coverage can be $5,254 or more
Car insurance prices for a Lexus GX 460 are also quite variable based on your driving record, the model of your GX 460, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age
The state you live in has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see prices as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,980 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles could cut prices by as much as $520 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be from 44% to 136% 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 | $1,360 | $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 Cheapest Lexus GX 460 Insurance
Getting lower rates on insurance for a Lexus GX 460 requires avoiding accidents and claims, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a recap of the concepts that were covered above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,620 more every year to insure a Lexus GX 460
- Drivers under the age of 20 are the costliest to insure, possibly costing $438 a month if full coverage is included
- You may be able to save up to $170 per year just by shopping early and online
- Increasing physical damage deductibles can save around $525 each year
- You may be able to save up to $170 per year just by shopping early and online
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
