Lexus GX 460 Car Insurance Cost for 2022

• Lexus GX 460 car insurance costs $1,766 per year ($147 per month) on average for a full coverage policy.
• Out of 36 vehicles in the midsize luxury SUV segment, the GX 460 ranks #18 for insurance affordability.
• With the cheapest insurance rates, the GX 460 4WD trim level costs an average of $1,720 per year to insure. The GX 460 Luxury 4WD is the most expensive to insure at $1,834 for an annual policy.

How much does Lexus GX 460 insurance cost?

Full coverage Lexus GX 460 car insurance costs an average of $1,766 per year. Average car insurance cost per month ranges from $143 to $153, depending on the trim level.

Plan on paying approximately $77 less each year to insure a Lexus GX 460 as compared to the average rate for midsize luxury SUVs, and $199 more per year than the all-vehicle national average of $1,567.

The chart below shows average car insurance cost for a 2022 Lexus GX 460 using a range of policy scenarios.

The Lexus GX 460 4WD model costs $1,720 per year to insure on average, and insurance on the Premium 4WD model costs $1,738 per year. The rate table below details average annual and semi-annual policy costs, plus a monthly insurance rate, for each 2022 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 $302 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 $284 per year for a 40-year-old driver and $562 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 $296 per year for a 40-year-old driver and $590 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 $277 per year versus a slightly lower credit rating between 670-739. Conversely, a subpar credit score could cost as much as $321 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 $2,098 or more per year.
• Don’t be a careless driver. Having multiple accidents could cost you more, potentially by an additional $2,496 per year for a 20-year-old driver and even as much as $572 per year for a 50-year-old driver.
• Car insurance for teens is expensive. Average Lexus GX 460 insurance costs $6,326 per year for a 16-year-old driver, $5,932 per year for a 17-year-old driver, and $5,544 per year for a 18-year-old driver.

Is Lexus GX 460 insurance expensive?

The Lexus GX 460 ranks #18 out of 36 total vehicles in the 2022 midsize luxury SUV segment for car insurance affordability. The GX 460 costs an average of $1,766 per year for full coverage insurance, while the class average cost is $1,843 per year, a difference of $77 per year.

When compared directly to top-selling vehicles in the midsize luxury SUV class, car insurance for a Lexus GX 460 costs $196 more per year than the Lexus RX 350, $172 less than the BMW X5, $188 more than the Acura MDX, and $266 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 2022 model could save $536 per year or more, depending on policy coverages. Even driving a gently used 2019 model could save the average driver $194 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 $1,102 for a 60-year-old driver rated on a 2013 Lexus GX 460 to the highest rate of $3,534 for a 20-year-old driver rated on a 2022 model.