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.

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Updated: 27 February 2025
Written by Bob Phillips
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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

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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

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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.

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.

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Quotes Analyzed

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Brands Reviewed

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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.

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