Lexus ES 350 Insurance Rates

The average insurance rates for a Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive insurance costs around $270 a year, collision insurance costs $494, and liability costs around $388. A liability-only policy costs as low as $434 a year, and high-risk insurance costs $2,792 or more. Teenage drivers cost the most to insure at up to $4,802 a year.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and ES 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Lexus ES 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $737
• Using higher $1,000 deductibles will save about $1,114 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,288
• Using low $100 deductibles for physical damage coverage will cost an extra $336 every year
• Drivers who are prone to accidents and violations could pay at least $2,792
• Policy cost for full coverage for a teen driver can be $4,802 or more

View Chart as Image

Car insurance rates for a Lexus ES 350 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Your home state has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 every year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Lexus ES 350 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the data presented in the illustrations above.

• Policyholders who may need increased liability limits will pay an extra $430 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save up to $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $400 each month if full coverage is included