Lexus GX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus GX costs about the same to insure as the average SUV.
• Full coverage for a GX usually averages around $146 a month, while liability only insurance prices average about $78 monthly.
• The most affordable car insurance company for a GX is NationalGeneral, who offers GX owners premiums as cheap as just $37 a month.

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GX Overview

Coming in with a base MSRP of $55,425 for 2022 models, the Lexus GX is a high-end car for drivers with extra room in their budgets. With two different trim levels currently available, there's a style for every driver.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that average Lexus GX car insurance rates run around $153 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Lexus GX?

If you look at the table above, you'll see that insurance premiums for a Lexus GX are below average. On average, GX drivers will pay about $78 monthly for liability insurance, and around $146 a month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Lexus models, the GX is more affordable, with prices more than 10% lower than the rest of the company's vehicle offerings. Compared to SUV offerings from other brands, auto insurance for a GX is also more affordable, with full coverage insurance rates coming in about $5 less and $2 less for liability only insurance.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Lexus GX?

If you're searching for a new car insurance policy for your Lexus GX, you're probably most interested in which carrier offers the cheapest premiums. Even though premiums can fluctuate pretty dramatically depending on your driver profile, NationalGeneral provides the cheapest average rates for liability only coverage, with rates as little as $37 monthly. The next lowest company is Shelter Mutual, who offers car insurance as little as just $41 per month.

Amica, Foremost, and NYCM round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers use many different variables and complex formulas to calculate rates. By getting quotes from a whole bunch of insurance companies at once, you can be sure you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Lexus GX?

As we mentioned above, there are a multitude of things that auto insurance carriers examine to decide how much they charge for car insurance -- and each carrier weighs different factors more heavily than others, so there's not one single company that's the most affordable for every GX driver.

The following sections show a wide array of factors auto insurance companies use to calculate rates:

Vehicle Age

The Lexus GX has been around for a while -- that means vehicle age can play a big role in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and GXs begin to depreciate, insurance costs will gradually go down.

As you can see in the table above, the Lexus GX follows this trend, as the cheapest models to insure are those that are 11 to 14 years old, while on average, the most expensive models are GXs that are 2 to 3 years old.

Your Age

Your age is another factor that plays a role in how much you pay for auto insurance. As you can see in the table above, young drivers pay more for car insurance than older GX drivers. In this case, drivers aged between 18 and 24 pay $25 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 45-54 for GX drivers.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. The Lexus GX follows this convention, and women pay around $8 less than men monthly for auto insurance.

Where You Live

You might think it's common sense that things like what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live has just as much of an impact? Car insurance is regulated at the state level, so rates can change quite a bit from state to state.

For example, the average Lexus GX owner in New York pays about $168 a month for liability coverage. Meanwhile, the same driver from California will pay less than half of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

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Lexus GX Car Insurance Discounts

No matter how old you are, what vehicle you drive, or what state you call home, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-car discounts for adding more than one vehicle to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same company

There are all sorts of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you may not have control of every variable car insurance carriers use to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've no doubt noticed ads from auto insurance companies offering hefty savings for safe drivers. It shouldn't come as a surprise that your insurance rates will get higher if you get into a collision or get a speeding ticket. But how much will they cost you?

If you look at the table above, you'll notice that accidents will usually cost GX drivers more than tickets, but both will result in above average rates. Lexus GX drivers with a single accident on their record pay an average of $91 each month (up $13 from the $78/mo. overall average), while drivers with one ticket will pay about $74 per month. Those who have more than one of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the total distance you drive each year. Drivers who are on the roads less are less likely to get into collisions, so they'll generally get more affordable premiums. Above, you can see that Lexus GX owners who drive between 2,500 and 5,000 miles every year pay an average of $66 a month for car insurance, while those who put between 7,500 and 10,000 miles on their cars pay $85.

If you happen to be one of those drivers who put very few miles on your Lexus GX each year, it may be worth reviewing usage-based or pay-per-mile auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Lexus GXs Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Lexus GX is on your shortlist, you might be wondering how it compares to other cars. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Lexus GX stacks up:

Overall, the Lexus GX has an average MSRP and is on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $46,192, and the GX comes in close to that at $55,425.

Liability insurance for a Lexus GX is, while full coverage is over $50 cheaper monthly.

When it comes to usage, Lexus GX drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles a year compared to the GX's 9,712 per year.

Lexus GX Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much the average driver pays for insurance. If you're in thinking about buying a new car, truck, or SUV and the GX is on your wishlist, knowing what you'll likely pay is extremely valuable as you weigh your choices.

Choose Your Model

2021 Lexus GX Car Insurance 2020 Lexus GX Car Insurance 2019 Lexus GX Car Insurance 2018 Lexus GX Car Insurance 2017 Lexus GX Car Insurance 2016 Lexus GX Car Insurance 2015 Lexus GX Car Insurance 2014 Lexus GX Car Insurance 2013 Lexus GX Car Insurance 2012 Lexus GX Car Insurance 2011 Lexus GX Car Insurance 2010 Lexus GX Car Insurance

2021 Lexus GX Car Insurance

On average, drivers who own a 2021 Lexus GX can expect to pay $61 to $177 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the cheapest possible 2021 Lexus GX insurance policy, NationalGeneral offered the cheapest policy we found, with rates sometimes as little as $34 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2020 Lexus GX Car Insurance

You can expect full coverage for a 2020 GX to run around $187 monthly, while liability only coverage will average about $131 per month.

With rates as low as just $94 a month, Esurance offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2019 Lexus GX Car Insurance

The average cost to insure a 2019 Lexus GX with liability only coverage is $95 per month, while full coverage runs around $169 monthly.

Looking for the lowest policy? Shelter Mutual offered liability only coverage for sometimes as low as $39 a month.

Want something more accurate than national averages? Get several free customized quotes by just entering your ZIP code below.

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2018 Lexus GX Car Insurance

It costs about $83 monthly for liability or $144 for a full coverage policy for the 2018 GX.

With prices sometimes as cheap as $22 per month, DirectGeneral offered the cheapest policy we found for the 2018 Lexus GX.

If you want to know exactly how much you can expect to pay for your GX, just enter your ZIP code below and get several free quotes in minutes.

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2017 Lexus GX Car Insurance

2017 Lexus GX drivers can expect to pay an average of $104 monthly for liability or $165 for full coverage.

We found SafeAuto offered the lowest policy, with rates as low as $70 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2016 Lexus GX Car Insurance

It costs around $141 a month for liability or $191 for a full coverage policy for the 2016 GX.

Mercury has premiums as cheap as $46 per month for the 2016 Lexus GX.

Want to find the most affordable rates? Just enter your ZIP code below to get a variety of free personalized quotes.

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2015 Lexus GX Car Insurance

The average cost to insure a 2015 Lexus GX with liability only coverage is $77 monthly, while full coverage runs about $137 a month.

Jupiter offered the lowest policy we found, with rates as little as just $43 per month.

If you want to know exactly how much you can expect to pay for your GX, just enter your ZIP code below and get free quotes in minutes.

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2014 Lexus GX Car Insurance

You can expect full coverage for a 2014 GX to run around $152 monthly, while liability only coverage will average about $96 a month.

Jupiter has prices as cheap as just $44 per month for the 2014 Lexus GX.

If you want to know exactly how much you can expect to pay for your GX, get free quotes in minutes by just entering your ZIP code below.

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2013 Lexus GX Car Insurance

2013 Lexus GX drivers can expect to pay an average of $67 a month for liability or $150 for full coverage.

Looking for the cheapest policy? Safeco offered liability only coverage for as little as $43 monthly.

Want to know exactly what your car insurance price will be? Get multiple customized quotes for free by just entering your ZIP code below.

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2012 Lexus GX Car Insurance

On average, drivers who own a 2012 GX can expect to pay $149 to $209 a month for liability only and full coverage insurance, respectively.

With rates sometimes as little as $52 per month, Elephant offered the most affordable policy we found for the 2012 Lexus GX.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2011 Lexus GX Car Insurance

The average cost to insure a 2011 Lexus GX with liability only coverage is $71 monthly, while full coverage runs around $139 a month.

We found Clearcover offered the lowest policy, with rates as low as just $29 monthly.

If you want to find the best premiums for auto insurance for a 2011 Lexus GX, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

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2010 Lexus GX Car Insurance

You can expect full coverage for a 2010 GX to run about $114 per month, while liability only coverage will average around $56 monthly.

If you're looking for the lowest possible 2010 Lexus GX insurance policy, Sun Coast offered the most affordable policy we found, with rates sometimes as cheap as $47 a month.

Want to know just how much you'll pay? Just enter your ZIP code below to get lots of personalized quotes for free.

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Lexus GX Insurance FAQs

Is a Lexus GX expensive to insure?

When compared to the national average of all vehicles, the cost of insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $78 per month, while full coverage will cost you around $146.

How can I get the best price on car insurance for my Lexus GX?

The only way to make sure you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from multiple carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a lot of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus GX affect my insurance prices?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually a myth. Although there are several factors insurance carriers examine when they decide how much your policy will be, your GX's color isn't one of them.

Do I need to have insurance before I buy a Lexus GX?

Before you can legally drive your new (or new to you) Lexus GX off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you an auto insurance policy, but the best thing to do when buying a a new SUV is to talk with your auto insurance carrier ahead of time.

What car insurance discounts can I get for my Lexus GX?

There are several different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the car you drive, but if your GX has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance company and ask about their list of discounts, since they shift quite a bit from company to company.