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2010 Lexus ES 350 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2010 Lexus ES 350 are $1,122 a year for full coverage insurance. Comprehensive costs around $228, collision insurance costs $356, and liability costs around $402. Buying a liability-only policy costs as low as $446 a year, and high-risk insurance costs around $2,420. Teenage drivers receive the highest rates at up to $4,272 a year.

Annual premium for full coverage: $1,122

Rate estimates for 2010 Lexus ES 350 Insurance

Comprehensive $228
Collision $356
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Lexus ES 350 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $446 for the bare minimum liability coverage to the much higher price of $2,420 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,122
High Risk $2,420

View Chart as Image

2010 Lexus ES 350 insurance rates compared
Column chart showing 2010 Lexus ES 350 insurance prices range from $658 to $4,272 for full coverage

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 Lexus ES 350 Insurance

Searching Companies

Searching for cheaper insurance rates for your Lexus ES 350? Finding the lowest price for insurance may seem to be difficult if you are a beginner to online rate quotes. Don’t let that stop you because it’s actually quite easy.

This article will help educate you on how car insurance quotes work and some tips to save money. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Nevertheless, vehicle owners must understand the way insurance companies sell insurance online and take advantage of how the system works.

How to Compare Auto Insurance Costs

There are multiple methods you can shop for 2010 Lexus ES 350 auto insurance but some are more efficient than others. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each company can give them a price. This prevents consumers from doing form submissions to each company.

To get comparison pricing now click here (opens in new window).

The only downside to comparing rates this way is you cannot specify the companies to get quotes from. If you would rather choose individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, make darn sure you compare identical information for each comparison quote. If you enter different limits and deductibles on each one you can’t possibly make a fair comparison for your Lexus ES 350. Just a small difference in coverage limits may cause a big price difference. And when quoting auto insurance, remember that more quotes will increase your chances of finding the best rates.

Get lower rates on 2010 Lexus ES 350 insurance

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you quote, but some must be specially asked for before being credited.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Drive Less and Save – Fewer annual miles on your Lexus could be rewarded with better rates on cars that stay parked.
  • New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your premiums.

To see a list of insurers who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

  • Is my Lexus ES 350 covered if I use it for business?
  • What can I do if my company won’t pay a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • How high should deductibles be on a 2010 Lexus ES 350?
  • Do I need rental car coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I hit a deer?
  • Is my dog or cat covered if injured in an accident?
  • Is my camper covered by my car insurance policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Having a good grasp of insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

This coverage pays for damage to your ES 350 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, theft and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.


Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical expenses, pain and suffering, bail bonds, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as surgery, ambulance fees, EMT expenses, rehabilitation expenses and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

And the best car insurance company is…

Cheap 2010 Lexus ES 350 insurance can be found from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Throughout this article, we presented many tips how you can reduce insurance prices online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising.

Drivers change insurance companies for many reasons like poor customer service, lack of trust in their agent, delays in responding to claim requests and even high prices. Regardless of your reason, switching companies can be less work than you think.

More resources

Rates by U.S. City

2010 Lexus ES 350 Insurance Rates by City
City Premium
New York City, NY $1,770
Los Angeles, CA $1,917
Philadelphia, PA $1,498
Jacksonville, FL $1,624
Phoenix, AZ $1,302
Chicago, IL $1,505
Houston, TX $1,755
Seattle, WA $1,089
Columbus, OH $937
Indianapolis, IN $956

Rates by Driver Age

2010 Lexus ES 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,272
20 $2,568
30 $1,160
40 $1,122
50 $1,028
60 $1,008

Full coverage, $500 deductibles

Rates by Deductible

2010 Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,378
$250 $1,260
$500 $1,122
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,122
50/100 $1,202
100/300 $1,303
250/500 $1,564
100 CSL $1,243
300 CSL $1,464
500 CSL $1,625

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Lexus ES 350 Insurance Rates for High Risk Drivers
Age Premium
16 $6,076
20 $4,088
30 $2,462
40 $2,420
50 $2,306
60 $2,286

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $154

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $77
5-yr Claim Free $72
Paid in Full/EFT $47
Advance Quote $53
Online Quote $79
Total Discounts $464
Rate after discounts $658

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 Lexus ES 350 Insurance Rates by State
State Premium
Alabama $1,014
Alaska $860
Arizona $930
Arkansas $1,122
California $1,278
Colorado $1,070
Connecticut $1,152
Delaware $1,266
Florida $1,400
Georgia $1,036
Hawaii $806
Idaho $760
Illinois $836
Indiana $846
Iowa $756
Kansas $1,064
Kentucky $1,528
Louisiana $1,662
Maine $692
Maryland $926
Massachusetts $894
Michigan $1,946
Minnesota $938
Mississippi $1,342
Missouri $994
Montana $1,202
Nebraska $882
Nevada $1,346
New Hampshire $808
New Jersey $1,254
New Mexico $992
New York $1,180
North Carolina $646
North Dakota $920
Ohio $774
Oklahoma $1,150
Oregon $1,026
Pennsylvania $1,070
Rhode Island $1,494
South Carolina $1,016
South Dakota $946
Tennessee $982
Texas $1,350
Utah $830
Vermont $766
Virginia $672
Washington $864
West Virginia $1,026
Wisconsin $774
Wyoming $998

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