Lexus GX 460 Car Insurance Calculator

Get instant feedback how choices you make affect car insurance rates for a Lexus GX 460. Customize homeowner status, credit history, policy coverages, and liability limits to learn how each affects rates. Find out instantly if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2023 Lexus GX 460 is $2,430 per year, or about $203 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,430

Cost Per Month

$203

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus GX 460 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lexus GX 460.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,430
Average Rate
Your Rate
$2,430

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lexus GX 460.

The 'Average Rate' is a combined value for all Lexus GX 460 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Lexus GX 460 is $2,430.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Lexus GX 460 Segment Comparison

The table below compares insurance rates for the 2023 Lexus GX 460 against all other models in the midsize luxury SUV segment. The Lexus GX 460 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus GX 460, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus GX 460.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Lexus GX 460 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$386
2Infiniti QX50$2,112-$318
3Cadillac XT5$2,166-$264
4Cadillac XT6$2,206-$224
5Acura MDX$2,272-$158
6Lincoln Nautilus$2,306-$124
7Lexus RX 350L$2,332-$98
8Land Rover Discovery Sport$2,334-$96
9Jaguar E-Pace$2,356-$74
10Volvo V90$2,376-$54
11Lexus RX 450h$2,404-$26
12Lexus GX 460$2,430--
13Volvo V60$2,446$16
14Lexus RX 450hL$2,454$24
15Mercedes-Benz AMG GLB35$2,500$70
16Genesis GV80$2,504$74
17Audi SQ5$2,512$82
18Lincoln Aviator$2,532$102
19Infiniti QX60$2,548$118
20Mercedes-Benz GLE450$2,570$140
21Mercedes-Benz GLE350$2,604$174
22Land Rover Discovery$2,616$186
2023 Midsize Luxury SUV Average$2,652$222
23Mercedes-Benz AMG GLC43$2,654$224
24Audi Q7$2,720$290
25Audi e-tron$2,814$384
26Tesla Model X$2,826$396
27Mercedes-Benz AMG GLE53$2,830$400
28BMW X5$2,886$456
29Audi Q8$2,894$464
30Land Rover Range Rover Sport$2,918$488
31Audi SQ7$3,056$626
32BMW iX$3,102$672
33BMW X6$3,160$730
34Porsche Cayenne$3,186$756
35Mercedes-Benz AMG GLE63$3,340$910
36Audi RS 6$3,394$964
37BMW XM$3,722$1,292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 GX 460 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Lexus GX 460.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Lexus GX 460 Insurance Rates by Trim Level
2023 Lexus GX 460 Trim Level Annual Premium Cost Per Month
Base 4WD$2,366$197
Premium 4WD$2,392$199
Luxury 4WD$2,530$211

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Lexus GX 460 for different driver ages.

2023 Lexus GX 460 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,595$716
17$8,367$697
18$7,575$631
19$6,862$572
20$5,272$439
21$5,029$419
22$4,513$376
23$3,671$306
24$3,483$290
25$2,824$235
30$2,596$216
35$2,492$208
40$2,430$203
45$2,264$189
50$2,142$179
55$2,002$167
60$2,008$167
65$2,144$179
70$2,300$192
75$2,690$224
80$3,316$276

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus GX 460 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lexus GX 460.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lexus GX 460 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2023 Lexus GX 460$2,430$203
2022 Lexus GX 460$2,478$207
2021 Lexus GX 460$2,424$202
2020 Lexus GX 460$2,352$196
2019 Lexus GX 460$2,156$180
2018 Lexus GX 460$2,062$172
2017 Lexus GX 460$1,976$165
2016 Lexus GX 460$1,932$161
2015 Lexus GX 460$1,820$152
2014 Lexus GX 460$1,754$146
2013 Lexus GX 460$1,606$134

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lexus GX 460 trim levels for each model year.