Lexus GX Insurance Cost

Full coverage for a Lexus GX costs about $1,180 a year ($98/month) by our estimate — ▼ −26% versus the average vehicle, ranking 6th cheapest of 310 current models.

Lexus GX exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Lexus GX insurance cost at a glance

Full coverage

$1,180

$98/mo · $970–$1,395

Minimum liability

$360

$30/mo

Segment

Luxury SUV

Gasoline

HLDI collision losses

Much better than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Lexus GX.

Estimated Lexus GX premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$360	$30	$295–$425
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$525	$44	$430–$620
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,180	$98	$970–$1,395

What drives the cost of insuring a Lexus GX

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lexus GX's results put our vehicle factor at 0.59× for liability, 0.80× for collision and 1.33× for comprehensive.

HLDI relative insurance losses — Lexus GX 550 4dr 4WD (Large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	70	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	133	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	34	Much better than average	Damage this car does to other vehicles and property
Personal injury protection	52	Much better than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 4 NHTSA recall campaigns and 34 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Lexus GX trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
GX 550	4WD	3.4L 6-cyl Turbo	17

Lexus GX insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	3.4L 6-cyl Turbo	4WD	17	$1,180
2025	3.4L 6-cyl Turbo	4WD	17	$1,150
2024	3.4L 6-cyl Turbo	4WD	17	$1,120
2023	4.6L 8-cyl	4WD	16	$1,085
2022	4.6L 8-cyl	4WD	16	$1,055
2021	4.6L 8-cyl	4WD	16	$1,025
2020	4.6L 8-cyl	4WD	16	$995
2019	4.6L 8-cyl	4WD	16	$965
2018	4.6L 8-cyl	4WD	16	$935
2017	4.6L 8-cyl	4WD	16	$900
2016	4.6L 8-cyl	4WD	17	$870
2015	4.6L 8-cyl	4WD	17	$865
2014	4.6L 8-cyl	4WD	17	$865
2013	4.6L 8-cyl	4WD	17	$865
2012	4.6L 8-cyl	4WD	17	$865
2011	4.6L 8-cyl	4WD	17	$865
2010	4.6L 8-cyl	4WD	17	$865
2009	4.7L 8-cyl	4WD/AWD	15	$865
2008	4.7L 8-cyl	4WD/AWD	15	$865
2007	4.7L 8-cyl	4WD/AWD	15	$865

Lexus GX insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,060	$280	−10%
Alaska	$1,020	$365	−14%
Arizona	$1,245	$390	+6%
Arkansas	$1,110	$265	−6%
California	$1,125	$335	−5%
Colorado	$1,450	$385	+23%
Connecticut	$1,195	$420	+1%
Delaware	$1,240	$470	+5%
District of Columbia	$1,475	$435	+25%
Florida	$1,570	$635	+33%
Georgia	$1,395	$515	+18%
Hawaii	$795	$255	−33%
Idaho	$810	$235	−31%
Illinois	$1,040	$295	−12%
Indiana	$860	$240	−27%
Iowa	$910	$180	−23%
Kansas	$1,055	$235	−11%
Kentucky	$1,000	$310	−15%
Louisiana	$1,635	$465	+39%
Maine	$770	$250	−35%
Maryland	$1,290	$445	+9%
Massachusetts	$1,135	$350	−4%
Michigan	$1,280	$450	+8%
Minnesota	$1,065	$275	−10%
Mississippi	$1,190	$310	+1%
Missouri	$1,135	$300	−4%
Montana	$1,065	$230	−10%
Nebraska	$1,050	$235	−11%
Nevada	$1,235	$510	+5%
New Hampshire	$845	$235	−28%
New Jersey	$1,325	$550	+12%
New Mexico	$1,090	$305	−8%
New York	$1,510	$545	+28%
North Carolina	$920	$265	−22%
North Dakota	$875	$160	−26%
Ohio	$860	$240	−27%
Oklahoma	$1,150	$275	−3%
Oregon	$1,015	$370	−14%
Pennsylvania	$1,065	$250	−10%
Rhode Island	$1,350	$480	+14%
South Carolina	$1,240	$430	+5%
South Dakota	$1,100	$185	−7%
Tennessee	$1,015	$265	−14%
Texas	$1,480	$405	+25%
Utah	$1,025	$385	−13%
Vermont	$810	$185	−31%
Virginia	$1,015	$370	−14%
Washington	$985	$345	−17%
West Virginia	$1,060	$255	−10%
Wisconsin	$860	$220	−27%
Wyoming	$1,110	$190	−6%

Lexus GX insurance by driver profile

Estimated annual Lexus GX premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$995	$1,440	$3,245	$270
Young adult (22)	$580	$835	$1,890	$158
Adult in their 30s	$360	$525	$1,180	$98
Adult in their 50s	$330	$480	$1,085	$90
Senior (72)	$405	$585	$1,320	$110
30s, one at-fault accident	$525	$760	$1,710	$143
30s, DUI on record	$670	$970	$2,185	$182

Lexus GX vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Lexus GX	$1,180	70	133	—
BMW X3	$1,565	108	92	—
BMW X5	$1,690	120	142	—
Audi Q7	$1,570	123	131	—

Estimate Lexus GX insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Lexus models

ES $1,590/yr
IS $1,835/yr
LC $1,820/yr
LS $2,225/yr
LX $1,530/yr
NX $1,425/yr
RX $1,445/yr
RZ $1,725/yr
TX $1,400/yr
UX $1,485/yr
RC $1,590/yr
GS $1,520/yr
CT $1,395/yr
HS $1,345/yr
LFA $1,580/yr
SC $1,580/yr

All Lexus insurance costs →

Frequently asked questions

How much is insurance for a Lexus GX?

We estimate about $1,180 a year ($98 a month) for full coverage and $360 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 26% less than the average vehicle.

Is the Lexus GX expensive to insure?

HLDI insurance-loss data rates it at 70 for collision and 133 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Lexus GX?

Maine has the lowest estimate (about $770 a year for full coverage) and Louisiana the highest (about $1,635).

Is the Lexus GX cheaper to insure than the BMW X3?

By our estimate the Lexus GX costs about $1,180 a year versus $1,600 for the BMW X3, making it the cheaper of the two to insure.

How much is Lexus GX insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,245 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page