Lexus ES 350 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 22, 2024
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Average insurance prices for a Lexus ES 350 are $1,226 every 12 months for full coverage. Comprehensive costs around $258, collision insurance costs $442, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $2,654. Teenage drivers receive the highest rates at up to $4,606 a year.
Average premium for full coverage: $1,226
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different ES 350 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $438 for your basic liability-only policy to a much higher rate of $2,654 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.
These examples show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows average Lexus ES 350 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $707
- Choosing higher $1,000 deductibles can save about $158 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,226
- Using more expensive low deductibles for comp and collision coverage increases the price to $1,536
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,654
- The cost to insure a 16-year-old driver with full coverage can be $4,606 each year
Insurance rates for a Lexus ES 350 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can save as much as $470 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges from 43% to 136% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Lexus ES 350 insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,110 | -$116 | -9.5% |
| Alaska | $942 | -$284 | -23.2% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,398 | $172 | 14.0% |
| Colorado | $1,170 | -$56 | -4.6% |
| Connecticut | $1,260 | $34 | 2.8% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,534 | $308 | 25.1% |
| Georgia | $1,134 | -$92 | -7.5% |
| Hawaii | $882 | -$344 | -28.1% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $914 | -$312 | -25.4% |
| Indiana | $926 | -$300 | -24.5% |
| Iowa | $826 | -$400 | -32.6% |
| Kansas | $1,166 | -$60 | -4.9% |
| Kentucky | $1,674 | $448 | 36.5% |
| Louisiana | $1,816 | $590 | 48.1% |
| Maine | $760 | -$466 | -38.0% |
| Maryland | $1,014 | -$212 | -17.3% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,130 | $904 | 73.7% |
| Minnesota | $1,028 | -$198 | -16.2% |
| Mississippi | $1,470 | $244 | 19.9% |
| Missouri | $1,090 | -$136 | -11.1% |
| Montana | $1,318 | $92 | 7.5% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,470 | $244 | 19.9% |
| New Hampshire | $884 | -$342 | -27.9% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,086 | -$140 | -11.4% |
| New York | $1,292 | $66 | 5.4% |
| North Carolina | $706 | -$520 | -42.4% |
| North Dakota | $1,006 | -$220 | -17.9% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,260 | $34 | 2.8% |
| Oregon | $1,124 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$58 | -4.7% |
| Rhode Island | $1,636 | $410 | 33.4% |
| South Carolina | $1,112 | -$114 | -9.3% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,074 | -$152 | -12.4% |
| Texas | $1,480 | $254 | 20.7% |
| Utah | $910 | -$316 | -25.8% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $736 | -$490 | -40.0% |
| Washington | $948 | -$278 | -22.7% |
| West Virginia | $1,126 | -$100 | -8.2% |
| Wisconsin | $846 | -$380 | -31.0% |
| Wyoming | $1,092 | -$134 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2023 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2022 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2021 Lexus ES 350 | $292 | $564 | $376 | $1,368 |
| 2020 Lexus ES 350 | $282 | $524 | $384 | $1,326 |
| 2018 Lexus ES 350 | $258 | $442 | $390 | $1,226 |
| 2016 Lexus ES 350 | $234 | $382 | $394 | $1,146 |
Rates are averaged for all Lexus ES 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Lexus ES 350 Insurance
Saving money on insurance for a Lexus ES 350 takes avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief recap of the primary concepts that were touched on in this article.
- Drivers can save up to $150 per year just by shopping early and online
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,430 more every year to insure a Lexus ES 350
- Increasing deductibles could save as much as $475 each year
- Drivers under the age of 20 are charged the highest rates, costing as high as $384 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,606 |
| 20 | $2,824 |
| 30 | $1,278 |
| 40 | $1,226 |
| 50 | $1,122 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,392 |
| $500 | $1,226 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,304 |
| 100/300 | $1,402 |
| 250/500 | $1,655 |
| 100 CSL | $1,343 |
| 300 CSL | $1,558 |
| 500 CSL | $1,714 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,568 |
| 20 | $4,496 |
| 30 | $2,710 |
| 40 | $2,654 |
| 50 | $2,534 |
| 60 | $2,510 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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