Lexus GX 460 Car Insurance Cost for 2022

How much does Lexus GX 460 insurance cost and how does it rank compared to other luxury SUVs? We crunched average car insurance rates for the GX 460 to see how it measures up to the competition.

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  • 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus GX 460 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus GX 460 trim levels.Data last updated on August 5, 2022
Lexus GX 460 Insurance Cost Summary
Lexus GX 460 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,036$336
Safe Driver Age 20$3,534$295
At-fault Accidents Age 40$2,496$208
Low Deductibles Age 40$2,322$194
Safe Driver Age 30$1,868$156
Safe Driver Age 40$1,766$147
Safe Driver Age 50$1,608$134
Safe Driver Age 60$1,580$132
High Deductibles Age 40$1,482$124
Discount Rate Age 40$1,464$122

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.

2022 Lexus GX 460 Insurance Cost by Trim Level
Lexus GX 460 Trim Level Annual Policy 6-month Policy Per Month
4WD$1,720$860$143
Premium 4WD$1,738$869$145
Black Line Special Edition 4WD$1,770$885$148
Luxury 4WD$1,834$917$153

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lexus GX 460, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Lexus GX 460 Insurance Cost by 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.

Insurance Cost Comparison: Lexus GX 460 vs Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,500-$266
2Jaguar E-Pace$1,564-$202
3Lexus RX 350$1,570-$196
4Acura MDX$1,578-$188
5Lincoln Nautilus$1,594-$172
6Lexus RX 450h$1,608-$158
7Infiniti QX50$1,614-$152
8Lexus RX 350L$1,628-$138
9Cadillac XT6$1,640-$126
10Volvo V60$1,648-$118
11Land Rover Discovery$1,660-$106
12Land Rover Discovery Sport$1,662-$104
13Lexus RX 450hL$1,676-$90
14Volvo V90$1,688-$78
15Lincoln Aviator$1,720-$46
16Mercedes-Benz AMG GLB35$1,740-$26
17Mercedes-Benz GLE450$1,744-$22
18Lexus GX 460$1,766--
19Infiniti QX60$1,774$8
20Mercedes-Benz GLE350$1,784$18
21Genesis GV80$1,818$52
22Mercedes-Benz AMG GLC43$1,846$80
23Audi SQ5$1,874$108
24BMW X5$1,938$172
25Audi Q8$1,966$200
26Audi Q7$1,998$232
27Land Rover Range Rover Sport$2,020$254
28BMW iX$2,034$268
29Tesla Model X$2,064$298
30Audi SQ7$2,124$358
31Audi e-tron$2,144$378
32Mercedes-Benz AMG GLE53$2,150$384
33BMW X6$2,200$434
34Mercedes-Benz AMG GLE63$2,292$526
35Porsche Cayenne$2,314$548
36Audi RS 6$2,390$624

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Insurance Cost Comparison: Lexus GX 460 vs Midsize Luxury SUVs

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.

Lexus GX 460 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,534$1,868$1,766$1,608$1,580
2021$3,442$1,814$1,716$1,564$1,538
2020$3,378$1,778$1,682$1,534$1,508
2019$3,160$1,662$1,572$1,434$1,410
2018$3,076$1,616$1,532$1,396$1,374
2017$2,994$1,570$1,490$1,358$1,336
2016$2,980$1,558$1,482$1,354$1,332
2015$2,864$1,494$1,428$1,304$1,280
2014$2,708$1,416$1,354$1,238$1,214
2013$2,452$1,286$1,230$1,122$1,102

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Lexus GX 460 Insurance Cost by Model Year