How Much Does 2024 Lexus ES 350 Car Insurance Cost?

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Cutting costs on Driversauto insurance could be a challenge for drivers who are new to buying insurance online. With so many options of companies competing online, it can easily turn into a ton of work to find better rates.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. But vehicle owners must understand how companies price insurance differently because it can help you find the best coverage.

How to compare free auto insurance quotes

There are multiple methods you can shop for auto insurance but one way is more efficient than others. You can spend countless hours talking to local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many of the larger companies are enrolled in a marketplace that enables customers to complete one form, and every company can provide price quotes. This eliminates the need for quote forms to each individual auto insurance company.

To fill out one form to compare multiple rates now enter your zip code here.

The one disadvantage to doing it this way is buyers cannot specifically choose which providers you want pricing from. So if you prefer to choose specific providers to compare rates, we have a listing of auto insurance companies in your area. Click to enter zip code.

Take whichever approach you prefer, but ensure you’re using apples-to-apples coverages for each comparison quote. If you use different liability limits then you won’t be able to determine the lowest rate for your Lexus ES 350. Slightly different limits could throw off the whole comparison. It’s important to know that comparing more company’s prices helps improve the odds of finding a lower rate than you’re paying now.

Double check you’re getting these discounts

Car insurance companies don’t list the entire discount list in a way that’s easy to find, so we took the time to find a few of the more well known and also the more inconspicuous ways to save on car insurance.

  • Government Employees – Active or former government employment can save as much as 8% on ES 350 insurance but check with your company.
  • First Accident Forgiveness – but companies like Liberty Mutual and GEICO allow you one accident before they charge you more for coverage if you are claim-free for a particular time prior to the accident.
  • E-sign – Certain larger companies give back up to $50 get auto insurance on your computer.
  • Telematics Data Discounts – Drivers who elect to allow their car insurance company to analyze driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Defensive Driver Discount – Participating in a defensive driving class is a good idea and can lower rates and also improve your driving technique.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, it’s just not the way it works. But all discounts should help reduce the premium cost.

A few companies that possibly offer these money-saving discounts possibly include:

  • Farmers Insurance
  • Esurance
  • State Farm
  • Allstate

Check with each company or agent which discounts can lower your rates. All car insurance discounts may not apply to policies in your area. If you would like to see a list of companies with the best discounts, enter your zip code here.

Lexus ES 350 insurance rate factors

An important part of buying insurance is that you know the different types of things that help calculate the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may reward you with lower insurance prices.

  • You might have higher rates if you are single – Having a wife or husband may earn you lower rates on your policy. Having a spouse translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Is car insurance cheaper for males or females? – Statistics show that females tend to be a little less risky than males. It does not mean men are worse drivers. They both get in auto accidents at about the same rate, but the men get into accidents with more damage. In addition to higher claims, males also get more serious tickets like DUI and reckless driving.
  • Alarms and GPS tracking lower premiums – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can thwart vehicle theft.
  • Traffic violations hurt – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Even a single citation may cause rates to rise forty percent or more. Drivers unfortunate enough to have multiple tickets such as hit and run, DWI or reckless driving convictions may find they need to complete a SR-22 with their state in order to continue driving.

Special considerations

When choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need Motor Club coverage?
  • Should I sign the liability waiver when renting a car?
  • Are rental cars covered under my policy?
  • If my pet gets injured in an accident are they covered?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out your zip code.

The ad said I’d save $458 a year!

Insurance companies such as Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. All the ads state the claim that drivers can save some big amount if you just switch your policy. How does every company charge you a lower premium?

Insurance providers have underwriting criteria for a prospective insured that earns them the most money. For example, a preferred risk could possibly be over the age of 40, has no prior claims, and drives less than 5,000 miles a year. A driver that hits that “sweet spot” will get the preferred premium rates and will most likely save a lot of money.

Potential insureds who fall short of this stringent profile may be forced to pay a more expensive rate with the end result being the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently claim big savings. Because each company has a different risk profile, you absolutely need to do a rate comparison at every renewal. Because you never know which insurance companies will have the best car insurance rates.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses like doctor visits, prosthetic devices, EMT expenses, dental work and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.


This provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Final thoughts

When searching for low cost auto insurance quotes, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. The aim is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

Budget-conscious 2024 Lexus ES 350 insurance is attainable from both online companies as well as from independent agents, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who do not offer rates over the internet and these small insurance companies only sell coverage through independent agencies.

In this article, we presented many tips how you can compare 2024 Lexus ES 350 insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a smaller regional carrier.

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