Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus GX 460? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus GX 460 car insurance facts

  • Average full coverage auto insurance premium: $170/month

  • Most affordable companies: GEICO ($124/month) & Texas Farm Bureau ($129/month)

  • GX 460 car insurance cost vs. average rates: $64 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus GX 460 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus GX 460 insurer costs by state:

Risk factors affecting Lexus GX 460 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus GX 460 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus GX 460 repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus GX 460 affecting car insurance policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2740
Acuity$2947
Allied Insurance$2033
Allstate$2219
American Family$2049
Arbella$2141
Country Financial$2389
GEICO$1495
Kentucky Farm Bureau$1756
Liberty Mutual$1906
Mercury$2197
Nationwide$1975
Progressive$1869
Quincy Mutual$2452
State Farm$1680
Texas Farm Bureau$1567
The Hanover$2530
Travelers$2364

Compare all 2021 Lexus GX 460 rates

Average Cost to Insure Per Year

$2043

List Price

$53250

Trims Available

Base - Luxury - Base Engine: 4.6L V-8 Engine at 301 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2020 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2637
Allied Insurance$1826
Allstate$2167
American Family$1956
Arbella$2011
Country Financial$2215
GEICO$1387
Kentucky Farm Bureau$1640
Liberty Mutual$1703
Mercury$2098
Nationwide$1768
Quincy Mutual$2361
State Farm$1597
Texas Farm Bureau$1506
The Hanover$2490
Travelers$2195

Compare all 2020 Lexus GX 460 rates

Average Cost to Insure Per Year

$1986

List Price

$53600

Trims Available

Base - Luxury - Base Engine: 4.6L V-8 Engine at 301 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2019 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2487
Allied Insurance$1703
Allstate$2035
American Family$1742
Arbella$1875
Country Financial$2174
GEICO$1240
Kentucky Farm Bureau$1390
Liberty Mutual$1503
Mercury$1996
Nationwide$1591
Quincy Mutual$2294
State Farm$1342
Texas Farm Bureau$1260
The Hanover$2361
Travelers$2067

Compare all 2019 Lexus GX 460 rates

Average Cost to Insure Per Year

$1763

List Price

$53000

Trims Available

Base - Luxury - Base Engine: 4.6L V-8 Engine at 301 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2018 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2340
Allied Insurance$1653
Allstate$2016
American Family$1795
Arbella$1865
Country Financial$2163
GEICO$1120
Kentucky Farm Bureau$1362
Liberty Mutual$1491
Mercury$1942
Nationwide$1584
Quincy Mutual$2240
State Farm$1296
Texas Farm Bureau$1130
The Hanover$2306
Travelers$2054

Compare all 2018 Lexus GX 460 rates

Average Cost to Insure Per Year

$1687

List Price

$59158

Trims Available

Base - Luxury - Base Engine: 4.6L V-8 Engine at 301 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2017 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1279
Acuity$ 1279
Allied$ 1260
Allied$ 1260
Amica$ 1563
Amica$ 1563
Arbella$ 1328
Arbella$ 1328
Country$ 1388
Country$ 1388
Erie$ 1193
Erie$ 1193
Nationwide$ 1434
Nationwide$ 1434
Plymouth Rock Insurance$ 1400
Plymouth Rock Insurance$ 1400
Tennessee Farmers$ 1167
Tennessee Farmers$ 1167
Texas Farm Bureau$ 971
Texas Farm Bureau$ 971
USAA$ 1381
USAA$ 1381
Vermont Mutual$ 1248
Vermont Mutual$ 1248

Compare all 2017 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1321

List Price

$ 51680

Trims Available

Base - Luxury

2016 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1217
Acuity$ 1217
Allied$ 1292
Allied$ 1292
Arbella$ 1278
Arbella$ 1278
Country$ 1303
Country$ 1303
Erie$ 1063
Erie$ 1063
GEICO$ 1337
GEICO$ 1337
Nationwide$ 1410
Nationwide$ 1410
Plymouth Rock Insurance$ 1323
Plymouth Rock Insurance$ 1323
Tennessee Farmers$ 1137
Tennessee Farmers$ 1137
Texas Farm Bureau$ 984
Texas Farm Bureau$ 984
USAA$ 1328
USAA$ 1328
Vermont Mutual$ 1155
Vermont Mutual$ 1155

Compare all 2016 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1376

List Price

$ 50780

Trims Available

Base - Luxury

2015 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1176
Acuity$ 1176
Allied$ 1296
Allied$ 1296
Arbella$ 1278
Arbella$ 1278
Country$ 1269
Country$ 1269
Erie$ 1029
Erie$ 1029
GEICO$ 1262
GEICO$ 1262
Plymouth Rock Insurance$ 1280
Plymouth Rock Insurance$ 1280
State Farm$ 1401
State Farm$ 1401
Tennessee Farmers$ 1087
Tennessee Farmers$ 1087
Texas Farm Bureau$ 934
Texas Farm Bureau$ 934
USAA$ 1250
USAA$ 1250
Vermont Mutual$ 1101
Vermont Mutual$ 1101

Compare all 2015 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1306

List Price

$ 49485

Trims Available

Base - Luxury

2014 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1155
Acuity$ 1155
Allied$ 1316
Allied$ 1316
American Family$ 1445
American Family$ 1445
Arbella$ 1276
Arbella$ 1276
Country$ 1267
Country$ 1267
Erie$ 974
Erie$ 974
GEICO$ 1353
GEICO$ 1353
Plymouth Rock Insurance$ 1273
Plymouth Rock Insurance$ 1273
Tennessee Farmers$ 1075
Tennessee Farmers$ 1075
Texas Farm Bureau$ 892
Texas Farm Bureau$ 892
USAA$ 1234
USAA$ 1234
Vermont Mutual$ 1068
Vermont Mutual$ 1068

Compare all 2014 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1203

List Price

$ 49085

Trims Available

Base - Luxury

2013 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1083
Acuity$ 1083
Allied$ 1244
Allied$ 1244
Amica$ 1358
Amica$ 1358
Arbella$ 1143
Arbella$ 1143
Country$ 1202
Country$ 1202
Erie$ 905
Erie$ 905
GEICO$ 1158
GEICO$ 1158
Plymouth Rock Insurance$ 1219
Plymouth Rock Insurance$ 1219
Tennessee Farmers$ 1024
Tennessee Farmers$ 1024
Texas Farm Bureau$ 885
Texas Farm Bureau$ 885
USAA$ 1147
USAA$ 1147
Vermont Mutual$ 998
Vermont Mutual$ 998

Compare all 2013 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1238

List Price

$ 53795

Trims Available

Base - Premium

2012 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1053
Acuity$ 1053
Allied$ 1238
Allied$ 1238
Arbella$ 1210
Arbella$ 1210
Country$ 1188
Country$ 1188
Erie$ 884
Erie$ 884
GEICO$ 1107
GEICO$ 1107
Plymouth Rock Insurance$ 1197
Plymouth Rock Insurance$ 1197
Southern Farm Bureau$ 1356
Southern Farm Bureau$ 1356
Tennessee Farmers$ 1022
Tennessee Farmers$ 1022
Texas Farm Bureau$ 891
Texas Farm Bureau$ 891
USAA$ 1153
USAA$ 1153
Vermont Mutual$ 970
Vermont Mutual$ 970

Compare all 2012 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1225

List Price

$ 53245

Trims Available

Base - Premium

2011 Lexus GX 460

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1271
Allied$ 1271
Amica$ 1225
Amica$ 1225
Arbella$ 1186
Arbella$ 1186
Country$ 1130
Country$ 1130
Erie$ 893
Erie$ 893
GEICO$ 1177
GEICO$ 1177
Plymouth Rock Insurance$ 1176
Plymouth Rock Insurance$ 1176
Southern Farm Bureau$ 1273
Southern Farm Bureau$ 1273
Tennessee Farmers$ 994
Tennessee Farmers$ 994
Texas Farm Bureau$ 852
Texas Farm Bureau$ 852
USAA$ 1053
USAA$ 1053
Vermont Mutual$ 906
Vermont Mutual$ 906

Compare all 2011 Lexus GX 460 rates

Average Cost to Insure Per Year

$ 1128

List Price

$ 53045

Trims Available

Base - Premium