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2012 Lexus ES 350 Insurance Rates

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

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: Jun 12, 2015

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Average insurance rates for a 2012 Lexus ES 350 are $1,176 a year with full coverage. Comprehensive costs on average $242 a year, collision costs $408, and liability insurance costs around $390. Buying a liability-only policy costs as low as $438 a year, with high-risk insurance costing around $2,540. Teen drivers receive the highest rates at $4,440 a year or more.

Annual premium for full coverage: $1,176

Rate estimates for 2012 Lexus ES 350 Insurance

Comprehensive $242
Collision $408
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 middle-aged driver, prices range go from as low as $438 for just liability coverage to a high of $2,540 for a high risk driver.

Liability Only $438
Full Coverage $1,176
High Risk $2,540

View Chart as Image

2012 Lexus ES 350 insurance rates compared
Column chart showing 2012 Lexus ES 350 insurance prices range from $682 to $4,440 for full coverage

These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, rather than relying on price averages.

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 2012 Lexus ES 350 Insurance

Searching Companies

Trying to find the cheapest insurance rates for your Lexus ES 350? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than many other drivers. Drivers have multiple auto insurance companies to pick from, and although it’s nice to have a choice, too many choices makes it more difficult to adequately compare rates.

It’s smart to compare rates once or twice a year because insurance rates fluctuate regularly. If you had the lowest price on ES 350 coverage a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance online but we’re going to give you some solid techniques on how to find affordable insurance.

Finding the best rates is not that difficult. If you are insured now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers just need to know the best way to buy insurance online.

The quickest method to compare policy rates is to know most of the larger companies have advanced systems to compare rate quotes. The one thing you need to do is give them rating details such as how much coverage you want, if a SR-22 is required, your job, and your general credit rating. Those rating factors is sent automatically to multiple insurance providers and they respond with quotes instantly to find the best rate.

To start a rate quote now, click here and enter the information requested.

Don’t miss these five discounts

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Senior Citizens – Mature drivers may be able to get better car insurance rates on ES 350 coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Homeowners Pay Less – Owning a house can save you money because owning a home requires personal responsibility.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Car insurance companies who might offer some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not be available in every state.

When might I need help?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help highlight if you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Can I get a multi-policy discount?
  • Why do I only qualify for high-risk insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is business property covered if stolen from my car?
  • Do I need PIP coverage since I have good health insurance?
  • What is the rate difference between pleasure use and commuting?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I crash into my own garage door?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Lexus ES 350.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision insurance

Collision coverage covers damage to your ES 350 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, backing into a parked car, hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

This coverage will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like loss of income, repair costs for stationary objects, repair bills for other people’s vehicles, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, hospital visits and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Rates by U.S. City

2012 Lexus ES 350 Insurance Rates by City
City Premium
New York City, NY $1,854
Los Angeles, CA $2,010
Philadelphia, PA $1,565
Jacksonville, FL $1,701
Phoenix, AZ $1,364
Chicago, IL $1,577
Houston, TX $1,841
Seattle, WA $1,142
Columbus, OH $978
Indianapolis, IN $999

Rates by Driver Age

2012 Lexus ES 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,440
20 $2,700
30 $1,220
40 $1,176
50 $1,076
60 $1,054

Full coverage, $500 deductibles

Rates by Deductible

2012 Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,460
$250 $1,328
$500 $1,176
$1,000 $1,028

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,176
50/100 $1,254
100/300 $1,352
250/500 $1,605
100 CSL $1,293
300 CSL $1,508
500 CSL $1,664

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Lexus ES 350 Insurance Rates for High Risk Drivers
Age Premium
16 $6,326
20 $4,302
30 $2,592
40 $2,540
50 $2,426
60 $2,402

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $84
5-yr Claim Free $76
Paid in Full/EFT $52
Advance Quote $57
Online Quote $83
Total Discounts $494
Rate after discounts $682

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

Find companies with the cheapest rates in your area

2012 Lexus ES 350 Insurance Rates by State
State Premium
Alabama $1,062
Alaska $902
Arizona $974
Arkansas $1,176
California $1,340
Colorado $1,120
Connecticut $1,206
Delaware $1,328
Florida $1,466
Georgia $1,088
Hawaii $844
Idaho $796
Illinois $876
Indiana $884
Iowa $792
Kansas $1,116
Kentucky $1,604
Louisiana $1,738
Maine $728
Maryland $970
Massachusetts $938
Michigan $2,038
Minnesota $984
Mississippi $1,408
Missouri $1,044
Montana $1,262
Nebraska $924
Nevada $1,408
New Hampshire $848
New Jersey $1,312
New Mexico $1,038
New York $1,236
North Carolina $678
North Dakota $964
Ohio $808
Oklahoma $1,206
Oregon $1,076
Pennsylvania $1,118
Rhode Island $1,566
South Carolina $1,064
South Dakota $992
Tennessee $1,028
Texas $1,416
Utah $870
Vermont $804
Virginia $702
Washington $906
West Virginia $1,078
Wisconsin $812
Wyoming $1,046

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