Lexus GX 460 Car Insurance Comparison: 2025 Edition

• Lexus GX 460 car insurance costs $2,430 per year ($203 per month) on average for a full coverage policy.
• Out of 37 vehicles in the midsize luxury SUV segment, the GX 460 ranks 12^th for insurance affordability.
• With the cheapest insurance rates, the GX 460 base 4WD trim level costs an average of $2,366 per year to insure. The GX 460 Luxury 4WD is the most expensive to insure at $2,530 for an annual policy.

How much does Lexus GX 460 insurance cost?

Full coverage Lexus GX 460 car insurance costs an average of $2,430 per year. Average car insurance cost per month ranges from $197 to $211, depending on the trim level.

Plan on paying approximately $222 less each year to insure a Lexus GX 460 as compared to the average rate for midsize luxury SUVs, and $209 more per year than the all-vehicle national average of $2,221.

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 $2,366 per year to insure on average, and insurance on the Premium 4WD model costs $2,392 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.

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 $412 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 $412 per year for a 40-year-old driver and $812 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 $428 per year for a 40-year-old driver and $860 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 $382 per year versus a slightly lower credit rating between 670-739. Conversely, a subpar credit score could cost as much as $442 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 $2,852 or more per year.
• Don’t be a careless driver. Having multiple accidents could cost you more, potentially by an additional $3,482 per year for a 20-year-old driver and even as much as $708 per year for a 50-year-old driver.
• Car insurance for teens is expensive. Average Lexus GX 460 insurance costs $8,595 per year for a 16-year-old driver, $8,367 per year for a 17-year-old driver, and $7,575 per year for an 18-year-old driver.

Is Lexus GX 460 insurance expensive?

The Lexus GX 460 ranks 12^th out of 37 total vehicles in the 2023 midsize luxury SUV segment for car insurance affordability. The GX 460 costs an average of $2,430 per year for full coverage insurance, while the class average cost is $2,652 per year, a difference of $222 per year.

When compared directly to top-selling vehicles in the midsize luxury SUV class, car insurance for a Lexus GX 460 costs $386 more per year than the Lexus RX 350, $456 less than the BMW X5, $158 more than the Acura MDX, and $264 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.

Are newer GX 460 models more expensive to insure?

Insuring a 2013 Lexus GX 460 instead of a shiny 2023 model could save $824 per year or more, depending on policy coverages. Even driving a gently used 2019 model could save the average driver $274 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 $1,340 for a 60-year-old driver rated on a 2013 Lexus GX 460 to the highest rate of $4,910 for a 20-year-old driver rated on a 2023 model.