Lexus GX 460 Insurance Rates
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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
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Average auto insurance rates for a Lexus GX 460 are $1,390 annually for full coverage insurance. Comprehensive costs around $288 each year, collision insurance costs $484, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $3,008. Teens receive the highest rates at up to $5,254 a year.
Average premium for full coverage: $1,390
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and GX 460 models.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $510 for basic liability insurance to a high rate of $3,008 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on 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.
Rate Comparisons
The chart below illustrates average Lexus GX 460 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $804
- Using higher $1,000 deductibles will save about $176 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,390
- Selecting low deductibles for physical damage coverage will cost $1,730
- Drivers with serious driving violations could pay at least $3,008
- The cost with full coverage for a teen driver can be $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 risk profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 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 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each 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 $910 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,880 on average in Michigan, New York, 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% |
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 the Right Lexus GX 460 Insurance
Saving money on Lexus GX 460 insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a quick rundown of the primary concepts that were covered in the above illustrations.
- It is possible to save up to $170 per year just by quoting online in advance
- High-risk drivers with reckless driving or DUI convictions pay on average $1,620 more every year than a safer driver
- Increasing deductibles could save up to $525 each year
- Drivers age 16 to 20 are charged the highest rates, costing up to $438 per month if they have full coverage
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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