Lexus GX Car Insurance Cost 2025
Getting insurance for a Lexus GX typically costs $1,390 per year, on average. However, the actual cost may vary depending on factors such as your age, the model year of the vehicle, your driving history, and the level of coverage you choose. To get a more accurate estimate based on your personal circumstances, you can use our quote tables below to compare prices from different providers.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a Lexus GX, one important factor to consider is the cost of insurance. On average, insurance for a Lexus GX costs $1,390 per year. Insurance plays a significant role in owning a car, and it’s crucial to understand the financial commitment before making a decision.
Selecting the appropriate car insurance is essential to prevent unexpected and potentially costly surprises in the future. It’s vital to have adequate coverage in case of an accident to avoid substantial out-of-pocket expenses. Additionally, being at fault in an accident could lead to higher premiums.
Based on over ten years of experience studying car insurance rates, I’ve noticed how much these costs can vary. Your age, driving history, and location all play significant roles in determining your insurance premiums.
How Much Does Lexus GX Car Insurance Cost?
Typically, Lexus GX drivers can find car insurance at an average rate of $1,390 per year. However, this rate can vary based on factors like your age, driving record, location, and the specific coverage options you choose. To get the best deal, it’s a good idea to shop around and compare quotes from different insurance providers.
It’s important to keep in mind that the cost of car insurance can vary greatly depending on several factors. These include your location, driving history, the model year of your vehicle, and the coverage options you choose. For instance, maintaining a clean driving record typically leads to lower premiums, while accidents or traffic violations can drive costs up.
Living in urban areas with heavy traffic tends to result in higher rates compared to rural areas with less traffic. Additionally, the type of coverage you select will impact your premium. Comprehensive insurance, which covers both comprehensive and collision, generally costs more than minimum liability coverage.
While the cost of insurance for a Lexus GX is lower compared to the average cost for all Lexus models, it may still be higher than the average cost for all cars. Insuranceopedia can help you compare quotes from various auto insurance providers to ensure you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Lexus GX | $145 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus GX By Model Year
| Model Year | Average Premium |
| 2023 Lexus GX | $1,975 |
| 2022 Lexus GX | $1,469 |
| 2021 Lexus GX | $1,445 |
| 2020 Lexus GX | $1,361 |
| 2019 Lexus GX | $1,560 |
| 2018 Lexus GX | $1,235 |
| 2017 Lexus GX | $1,030 |
| 2016 Lexus GX | $1,047 |
| 2015 Lexus GX | $853 |
| 2014 Lexus GX | $899 |
| 2013 Lexus GX | $1,061 |
| 2012 Lexus GX | $1,562 |
| 2011 Lexus GX | $1,048 |
| 2010 Lexus GX | $1,013 |
2023 Lexus GX Insurance Rates
The average annual insurance cost for a 2023 Lexus GX is $1,975. However, New Jersey Manufacturers offers the cheapest rates, averaging $1,390 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,390 |
| Plymouth Rock | $1,420 |
| Tennessee Farmers | $1,788 |
| 21st Century | $2,011 |
| Grange | $2,058 |
| Mercury | $2,116 |
| Penn National | $2,161 |
| Mercury Insurance Company | $2,171 |
| California Capital | $2,279 |
| Nationwide | $2,351 |
2022 Lexus GX Insurance Rates
The average annual insurance cost for a 2022 Lexus GX is $1,469. However, Safeco offers the cheapest rates, averaging $286 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $286 |
| NatGen Value | $684 |
| Clearcover | $1,593 |
| Farm Bureau Mutual (IA Group) | $1,596 |
| Nationwide | $1,583 |
| Texas Farm Bureau Group | $1,605 |
| ACCC Insurance Company | $1,747 |
| Republic Indemnity | $1,837 |
| Allied | $1,818 |
| 21st Century | $1,943 |
2021 Lexus GX Insurance Rates
The average annual insurance cost for a 2021 Lexus GX is $1,445. However, Union Mutual Fire Group offers the cheapest rates, averaging $1,322 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $1,322 |
| Concord Group | $1,395 |
| Capital Insurance Group | $1,424 |
| Texas Farm Bureau Group | $1,451 |
| National Grange Mutual | $1,504 |
| Country | $1,556 |
| Vermont Mutual | $1,634 |
| Co-Operative Ins Companies | $1,621 |
| Permanent General | $1,711 |
| Hastings Mutual Insurance Co | $1,830 |
2020 Lexus GX Insurance Rates
The average annual insurance cost for a 2020 Lexus GX is $1,361. However, Penn National offers the cheapest rates, averaging $840 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $840 |
| Tennessee Farmers | $943 |
| Country | $1,139 |
| Westfield | $1,340 |
| Auto-Owners Insurance Co | $1,365 |
| Clearcover | $1,387 |
| SECURA Insurance | $1,577 |
| 21st Century | $1,624 |
| Grange Mutual | $1,650 |
| Pekin Insurance | $1,744 |
2019 Lexus GX Insurance Rates
The average annual insurance cost for a 2019 Lexus GX is $1,560. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,310 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,310 |
| New Jersey Manufacturers | $1,394 |
| American Family | $1,478 |
| West Bend Mutual | $1,530 |
| Auto-Owners Insurance Co | $1,628 |
| Allied | $1,609 |
| Farm Bureau Mutual (IA Group) | $1,616 |
| Western National | $1,759 |
| Permanent General | $1,784 |
| Republic Indemnity | $1,794 |
2018 Lexus GX Insurance Rates
The average annual insurance cost for a 2018 Lexus GX is $1,235. However, Safeco offers the cheapest rates, averaging $764 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $764 |
| Country | $996 |
| SECURA Insurance | $1,198 |
| Mutual Of Enumclaw | $1,227 |
| Buckeye Insurance Group | $1,243 |
| Oregon Mutual | $1,282 |
| Indiana Farmers Mutual Ins | $1,344 |
| 21st Century | $1,366 |
| New Jersey Manufacturers | $1,411 |
| Oklahoma Farmers Union | $1,517 |
2017 Lexus GX Insurance Rates
The average annual insurance cost for a 2017 Lexus GX is $1,030. However, Safeco offers the cheapest rates, averaging $300 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $300 |
| Mercury Insurance | $460 |
| North Carolina Farm Bureau | $950 |
| Utica National Ins Group | $1,005 |
| Titan | $1,102 |
| GMAC Insurance Group | $1,157 |
| Texas Farm Bureau Group | $1,222 |
| Nationwide | $1,319 |
| New Jersey Manufacturers | $1,383 |
| Country | $1,405 |
2016 Lexus GX Insurance Rates
The average annual insurance cost for a 2016 Lexus GX is $1,047. However, Mercury Insurance offers the cheapest rates, averaging $251 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $251 |
| Safeco | $412 |
| Farm Bureau Mutual (IA Group) | $919 |
| North Carolina Farm Bureau | $917 |
| GMAC Insurance Group | $1,168 |
| Auto-Owners Insurance Co | $1,216 |
| Texas Farm Bureau Group | $1,267 |
| Country | $1,269 |
| Direct Auto | $1,497 |
| Allied | $1,557 |
Find Affordable Lexus GX Insurance Rates
2015 Lexus GX Insurance Rates
The average annual insurance cost for a 2015 Lexus GX is $853. However, Direct Auto offers the cheapest rates, averaging $469 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $469 |
| Safeco | $692 |
| National General | $697 |
| Penn National | $793 |
| PEMCO | $854 |
| SafeAuto | $887 |
| Virginia Farm Bureau | $910 |
| Capital Insurance Group | $1,038 |
| Mississippi Farm Bureau | $1,073 |
| Country | $1,117 |
2014 Lexus GX Insurance Rates
The average annual insurance cost for a 2014 Lexus GX is $899. However, Pekin Insurance offers the cheapest rates, averaging $573 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $573 |
| Safeco | $682 |
| North Carolina Farm Bureau | $794 |
| Country | $904 |
| Rockford Mutual Insurance | $916 |
| Hastings Mutual Insurance Co | $923 |
| Kentucky Farm Bureau | $1,036 |
| SECURA Insurance | $1,038 |
| National General | $1,050 |
| SafeAuto | $1,070 |
2013 Lexus GX Insurance Rates
The average annual insurance cost for a 2013 Lexus GX is $1,061. However, Kemper Auto | Infinity offers the cheapest rates, averaging $491 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $491 |
| National General Value | $678 |
| Texas Farm Bureau Group | $879 |
| Tennessee Farmers | $1,078 |
| Penn National | $1,084 |
| Grange Mutual | $1,091 |
| Auto-Owners Insurance Co | $1,250 |
| Atlantic States Insurance | $1,286 |
| National General | $1,394 |
| Republic Indemnity | $1,383 |
2012 Lexus GX Insurance Rates
The average annual insurance cost for a 2012 Lexus GX is $1,562. However, Allied offers the cheapest rates, averaging $841 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $841 |
| North Carolina Farm Bureau | $902 |
| GMAC Insurance Group | $1,167 |
| Penn National | $1,240 |
| Metropolitan | $1,291 |
| New York Central Mutual Fire | $1,531 |
| Erie | $1,767 |
| USAA | $2,174 |
| State Farm | $2,350 |
| Travelers | $2,359 |
2011 Lexus GX Insurance Rates
The average annual insurance cost for a 2011 Lexus GX is $1,562. However, Dairyland offers the cheapest rates, averaging $711 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $711 |
| North Carolina Farm Bureau | $770 |
| Auto-Owners Insurance Co | $892 |
| Clearcover | $1,051 |
| GMAC Insurance Group | $1,043 |
| USAA | $1,083 |
| Erie | $1,156 |
| Penn National | $1,169 |
| Nationwide | $1,274 |
| Virginia Farm Bureau | $1,327 |
2010 Lexus GX Insurance Rates
The average annual insurance cost for a 2010 Lexus GX is $1,013. However, Clearcover offers the cheapest rates, averaging $514 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $514 |
| American National P | $622 |
| Preferred Mutual | $880 |
| Safety Group | $959 |
| Norfolk and Dedham Group | $1,018 |
| ACE American Pool | $1,103 |
| Southern Farm Bureau | $1,233 |
| National Grange Mutual | $1,269 |
| Arbella Insurance Group | $1,262 |
| Plymouth Rock Assurance | $1,271 |
Find Affordable Lexus GX Insurance Rates
Is A Lexus GX Expensive To Insure?
The cost to insure a Lexus GX is generally lower than the average for all cars. However, the exact amount you’ll pay for coverage depends on several factors, including your age, the car’s model year, your location, and your driving history. Other considerations, such as the level of coverage you choose and any discounts you qualify for, can also impact your premium. To find the best rate for your specific situation, it’s always a good idea to compare quotes from multiple insurance providers.
Cheapest Car Insurance Companies For A Lexus GX
If you’re looking to purchase a new car insurance policy for your Lexus GX, finding the most affordable provider is essential. National General offers the lowest average rate at $36 per month, making them the cheapest option. However, insurance rates can vary depending on factors like your driving history, location, and coverage needs. To ensure you get the best deal tailored to your profile, it’s always recommended to shop around and compare quotes from multiple insurance providers.
| Company | Average Monthly Rate |
| NYCM | $51 |
| Shelter Mutual | $40 |
| Foremost | $45 |
| Amica | $42 |
| NationalGeneral | $36 |
Common Lexus GX Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. While each provider offers its own set of discounts, there are a few common ones you may qualify for:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can lead to significant savings.
- Pay-in-full discount: Paying your annual premium upfront instead of in monthly installments can lower your overall costs.
- Defensive driving discount: Completing a defensive driving course from a certified institution may make you eligible for reduced rates.
Additional discounts may be available depending on your provider. It’s best to speak with your insurance agent to explore all the savings opportunities you qualify for.
Ways To Save On Lexus GX Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Lexus GX insurance costs low. A speeding ticket or accident can lead to higher premiums, with drivers who have a ticket paying around $75 per month, while those with multiple accidents may see rates rise to an average of $106 per month.
Additionally, lower annual mileage can also help reduce insurance costs. Drivers covering between 7,501 and 10,000 miles per year typically pay around $86 per month, whereas those exceeding 10,000 miles annually may pay a lower rate of $73 per month. By driving cautiously and limiting mileage, Lexus GX owners can keep their insurance premiums more affordable.
Compare Lexus GX To Other Lexus Models
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for calculations was a 40-year-old male driver purchasing full-coverage insurance with limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, actual insurance rates may vary based on individual factors such as age, driving history, location, and coverage selections.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Lexus GX?
Yes, you must provide proof of insurance before driving your Lexus GX off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company about your upcoming vehicle purchase, rather than opting for coverage through the dealership. This ensures you have the necessary protection while potentially saving money by choosing your preferred provider.
How Can You Get The Cheapest Insurance For Your Lexus GX?
The most effective way to secure the cheapest insurance rates for your Lexus GX is by shopping around and comparing quotes from different auto insurance providers. By doing so, you can find the best coverage at the most competitive price. Insuranceopedia makes this process easier by allowing you to compare multiple quotes conveniently on their website.
