- Lexus GX 460 car insurance costs $2,488 per year ($207 per month) on average for a full coverage policy.
- Out of 37 vehicles in the midsize luxury SUV segment, the GX 460 ranks 12th for insurance affordability.
- With the cheapest insurance rates, the GX 460 base 4WD trim level costs an average of $2,422 per year to insure. The GX 460 Luxury 4WD is the most expensive to insure at $2,592 for an annual policy.
How much does Lexus GX 460 insurance cost?
Full coverage Lexus GX 460 car insurance costs an average of $2,488 per year. Average car insurance cost per month ranges from $202 to $216, depending on the trim level.
Plan on paying approximately $228 less each year to insure a Lexus GX 460 as compared to the average rate for midsize luxury SUVs, and $212 more per year than the all-vehicle national average of $2,276.
The chart below shows average car insurance cost for a 2023 Lexus GX 460 using a range of policy scenarios.
The Lexus GX 460 base 4WD model costs $2,422 per year to insure on average, and insurance on the Premium 4WD model costs $2,450 per year. The rate table below details average annual and semi-annual policy costs, plus a monthly insurance rate, for each 2023 Lexus GX 460 package and trim level.
| 2023 Lexus GX 460 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base 4WD | $2,422 | $202 |
| Premium 4WD | $2,450 | $204 |
| Luxury 4WD | $2,592 | $216 |
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. Updated October 24, 2025
Some other situations that affect rates and possible policy discounts are listed below.
- More discounts means cheap Lexus GX 460 insurance rates. Discounts may be available if the insureds take a defensive driving course, are senior citizens, choose electronic billing, work in certain occupations, are claim-free, or many other discounts which could save the average driver as much as $422 per year on the cost of insuring a Lexus GX 460.
- The higher the deductibles, the lower the cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $420 per year for a 40-year-old driver and $832 per year for a 20-year-old driver.
- Low deductibles makes insurance more expensive. Lowering your policy deductibles from $500 to $250 could cost an additional $440 per year for a 40-year-old driver and $880 per year for a 20-year-old driver.
- Good credit can save money. In states that have car insurance regulations that allow credit history to be used for pricing purposes, having an excellent credit rating above 800 could save as much as $391 per year versus a slightly lower credit rating between 670-739. Conversely, a subpar credit score could cost as much as $453 more per year.
- High-risk drivers pay extremely high rates. For a 50-year-old driver, the requirement to buy a high-risk policy can increase the cost by $2,920 or more per year.
- Don’t be a careless driver. Having multiple accidents could cost you more, potentially by an additional $3,568 per year for a 20-year-old driver and even as much as $728 per year for a 50-year-old driver.
- Car insurance for teens is expensive. Average Lexus GX 460 insurance costs $8,805 per year for a 16-year-old driver, $8,574 per year for a 17-year-old driver, and $7,760 per year for an 18-year-old driver.
Is Lexus GX 460 insurance expensive?
The Lexus GX 460 ranks 12th out of 37 total vehicles in the 2023 midsize luxury SUV segment for car insurance affordability. The GX 460 costs an average of $2,488 per year for full coverage insurance, while the class average cost is $2,716 per year, a difference of $228 per year.
When compared directly to top-selling vehicles in the midsize luxury SUV class, car insurance for a Lexus GX 460 costs $392 more per year than the Lexus RX 350, $470 less than the BMW X5, $162 more than the Acura MDX, and $270 more than the Cadillac XT5.
The table below shows how average insurance cost on a Lexus GX 460 compares to the rest of the midsize luxury SUV market.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Lexus RX 350 | $2,096 | -$392 |
| 2 | Infiniti QX50 | $2,162 | -$326 |
| 3 | Cadillac XT5 | $2,218 | -$270 |
| 4 | Cadillac XT6 | $2,262 | -$226 |
| 5 | Acura MDX | $2,326 | -$162 |
| 6 | Lincoln Nautilus | $2,362 | -$126 |
| 7 | Lexus RX 350L | $2,388 | -$100 |
| 8 | Land Rover Discovery Sport | $2,392 | -$96 |
| 9 | Jaguar E-Pace | $2,414 | -$74 |
| 10 | Volvo V90 | $2,434 | -$54 |
| 11 | Lexus RX 450h | $2,462 | -$26 |
| 12 | Lexus GX 460 | $2,488 | -- |
| 13 | Volvo V60 | $2,506 | $18 |
| 14 | Lexus RX 450hL | $2,514 | $26 |
| 15 | Mercedes-Benz AMG GLB35 | $2,560 | $72 |
| 16 | Genesis GV80 | $2,564 | $76 |
| 17 | Audi SQ5 | $2,572 | $84 |
| 18 | Lincoln Aviator | $2,592 | $104 |
| 19 | Infiniti QX60 | $2,610 | $122 |
| 20 | Mercedes-Benz GLE450 | $2,630 | $142 |
| 21 | Mercedes-Benz GLE350 | $2,668 | $180 |
| 22 | Land Rover Discovery | $2,678 | $190 |
| 23 | Mercedes-Benz AMG GLC43 | $2,718 | $230 |
| 24 | Audi Q7 | $2,788 | $300 |
| 25 | Audi e-tron | $2,884 | $396 |
| 26 | Tesla Model X | $2,894 | $406 |
| 27 | Mercedes-Benz AMG GLE53 | $2,898 | $410 |
| 28 | BMW X5 | $2,958 | $470 |
| 29 | Audi Q8 | $2,962 | $474 |
| 30 | Land Rover Range Rover Sport | $2,988 | $500 |
| 31 | Audi SQ7 | $3,128 | $640 |
| 32 | BMW iX | $3,176 | $688 |
| 33 | BMW X6 | $3,236 | $748 |
| 34 | Porsche Cayenne | $3,262 | $774 |
| 35 | Mercedes-Benz AMG GLE63 | $3,418 | $930 |
| 36 | Audi RS 6 | $3,474 | $986 |
| 37 | BMW XM | $3,812 | $1,324 |
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 vehicle from the 2023 model year. Updated October 24, 2025
Are newer GX 460 models more expensive to insure?
Insuring a 2013 Lexus GX 460 instead of a shiny 2023 model could save $842 per year or more, depending on policy coverages. Even driving a gently used 2019 model could save the average driver $278 each year.
The following table details average auto insurance rates for a Lexus GX 460 for a range of model years and driver ages. Average insurance prices range from the cheapest rate of $1,372 for a 60-year-old driver rated on a 2013 Lexus GX 460 to the highest rate of $5,030 for a 20-year-old driver rated on a 2023 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Lexus GX 460 | $5,030 | $2,488 | $2,056 |
| 2022 Lexus GX 460 | $5,154 | $2,536 | $2,102 |
| 2021 Lexus GX 460 | $5,058 | $2,482 | $2,058 |
| 2020 Lexus GX 460 | $4,902 | $2,406 | $1,994 |
| 2019 Lexus GX 460 | $4,508 | $2,210 | $1,830 |
| 2018 Lexus GX 460 | $4,332 | $2,134 | $1,770 |
| 2017 Lexus GX 460 | $4,114 | $2,024 | $1,682 |
| 2016 Lexus GX 460 | $4,008 | $1,976 | $1,644 |
| 2015 Lexus GX 460 | $3,776 | $1,862 | $1,556 |
| 2014 Lexus GX 460 | $3,632 | $1,794 | $1,498 |
| 2013 Lexus GX 460 | $3,310 | $1,646 | $1,372 |
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. Updated October 24, 2025
