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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U.S. average insurance rates for a Lexus ES 350 are $1,226 a year including full coverage. Comprehensive insurance costs on average $258, collision costs $442, and liability is estimated at $390. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $2,654 or more. Teen drivers pay the highest rates at $4,606 a year or more.
Average premium for full coverage: $1,226
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all ES 350 models.
Price Range from Low to High
For the average 40-year-old driver, Lexus ES 350 insurance prices go from the low end price of $438 for just liability coverage to the much higher price of $2,654 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The ranges above highlight why everyone should get quotes based on a specific location, instead of making a decision based on price averages.
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.
Detailed Rate Analysis
The chart below breaks down estimated Lexus ES 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $707
- Choosing higher $1,000 deductibles can save around $158 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,226
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $310 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,654 or more
- The price that insures a 16-year-old driver for full coverage may cost $4,606 each year
Car insurance prices for a Lexus ES 350 are also quite variable based on the model of your ES 350, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 extra each year, depending on your age. Lexus ES 350 insurance for high-risk drivers ranges from 43% to 136% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lexus ES 350 insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can save as much as $470 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.
| 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 Find the Best Cheap Lexus ES 350 Insurance
Getting lower rates on insurance for a Lexus ES 350 takes having a good driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Shop around at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a quick review of the primary concepts that were touched on in this article.
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,430 more each year to buy Lexus ES 350 insurance
- Increasing physical damage deductibles can save approximately $475 each year
- Drivers age 20 and younger are expensive to insure, possibly costing $384 a month if full coverage is purchased
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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