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 $1,454 annually for full coverage insurance. Comprehensive costs on average $300 each year, collision costs $540, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $3,156. Teen drivers receive the highest rates at $5,468 a year or more.
Average premium for full coverage: $1,454
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and GX 460 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $508 for your basic liability-only policy to a high rate of $3,156 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how location helps determine car insurance rates.
These examples illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using 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.
More Rate Information
The chart below illustrates estimated Lexus GX 460 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $833
- Using higher $1,000 deductibles will save around $190 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,454
- Choosing low deductibles for physical damage coverage will cost $1,826
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,156 or more
- The cost with full coverage for a teen driver may cost $5,468 or more
Auto insurance rates for a Lexus GX 460 can also vary considerably based on the trim level of your GX 460, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $570 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus GX 460 insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,390 | -$64 | -4.4% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,648 | $194 | 13.3% |
| Florida | $1,822 | $368 | 25.3% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,046 | -$408 | -28.1% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,084 | -$370 | -25.4% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $980 | -$474 | -32.6% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,986 | $532 | 36.6% |
| Louisiana | $2,152 | $698 | 48.0% |
| Maine | $900 | -$554 | -38.1% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,146 | -$308 | -21.2% |
| Nevada | $1,744 | $290 | 19.9% |
| New Hampshire | $1,048 | -$406 | -27.9% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,288 | -$166 | -11.4% |
| New York | $1,532 | $78 | 5.4% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,190 | -$264 | -18.2% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,494 | $40 | 2.8% |
| Oregon | $1,334 | -$120 | -8.3% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,940 | $486 | 33.4% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,272 | -$182 | -12.5% |
| Texas | $1,752 | $298 | 20.5% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $998 | -$456 | -31.4% |
| Virginia | $872 | -$582 | -40.0% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,298 | -$156 | -10.7% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted 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 | $1,420 | $118 |
| Lexus GX 460 Premium 4WD 4-Dr | $1,454 | $121 |
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 | $370 | $686 | $398 | $1,612 |
| 2022 Lexus GX 460 | $356 | $668 | $416 | $1,598 |
| 2021 Lexus GX 460 | $344 | $640 | $430 | $1,572 |
| 2019 Lexus GX 460 | $312 | $574 | $452 | $1,496 |
| 2018 Lexus GX 460 | $300 | $540 | $456 | $1,454 |
| 2016 Lexus GX 460 | $270 | $446 | $460 | $1,334 |
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 Cheaper Lexus GX 460 Insurance
Saving money on car insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a condensed summary of the primary concepts that were covered in the charts and tables above.
- It is possible to save as much as $180 per year simply by quoting online in advance
- Higher risk drivers with multiple at-fault accidents may pay on average $1,700 more each year for auto insurance
- Increasing deductibles could save up to $550 each year
- Teenage drivers are charged the highest rates, costing up to $456 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,468 |
| 20 | $3,360 |
| 30 | $1,514 |
| 40 | $1,454 |
| 50 | $1,330 |
| 60 | $1,304 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,826 |
| $250 | $1,654 |
| $500 | $1,454 |
| $1,000 | $1,264 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,545 |
| 100/300 | $1,659 |
| 250/500 | $1,956 |
| 100 CSL | $1,591 |
| 300 CSL | $1,842 |
| 500 CSL | $2,024 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,804 |
| 20 | $5,354 |
| 30 | $3,220 |
| 40 | $3,156 |
| 50 | $3,014 |
| 60 | $2,988 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $621 |
Discounts are estimated and may not be available from every company or in every state.
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