Lexus ES 350 Insurance Rates

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UPDATED: May 22, 2024

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The average auto insurance rates for a Lexus ES 350 are $1,226 annually for full coverage insurance. Comprehensive insurance costs an estimated $258, collision insurance costs $442, and liability is $390. A liability-only policy costs around $438 a year, and high-risk insurance costs $2,654 or more. Teenage drivers cost the most to insure at up to $4,606 a year.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Comprehensive $258
Collision $442
Liability $390

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different ES 350 trim levels.

Price Range Variability

Using a middle-aged driver as an example, Lexus ES 350 insurance rates range from as cheap as $438 for just liability insurance to a much higher rate of $2,654 for a driver who requires high-risk insurance.

Liability Only $438
Full Coverage $1,226
High Risk $2,654

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

Rural Areas $920
Small Cities $1,287
Large Cities $1,655

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, 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 Details

The chart below illustrates average Lexus ES 350 insurance rates for other coverage scenarios.

  • The best discount rate is $707
  • Raising to $1,000 deductibles will save approximately $158 each year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,226
  • Using more expensive low deductibles costs an additional $310 annually
  • Drivers who are prone to accidents and violations could pay up to $2,654
  • Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,606

View Chart as Image

Lexus ES 350 insurance cost comparison chart
Column chart showing Lexus ES 350 insurance prices range from $707 to $4,606 for full coverage

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $470 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus ES 350 insurance prices. A middle-age driver might find rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,660 on average in Florida, New York, and Michigan.

Lexus ES 350 Insurance Rates by State
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%

View Chart as Image

Lexus ES 350 insurance rates by U.S. city
Lexus ES 350 Insurance Rates by Model Year
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 Buy the Cheapest Lexus ES 350 Insurance

Finding cheaper rates on insurance for a Lexus ES 350 consists of being safe and accident-free, having a good credit score, being claim-free, and possibly higher deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a recap of the concepts that were touched on in the above illustrations.

  • Drivers considered higher risk that have major violations or accidents may pay on average $1,430 more annually than a low-risk driver
  • Youthful drivers have the highest car insurance rates, possibly costing $384 each month if comprehensive and collision insurance is included
  • It is possible to save approximately $150 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • It is possible to save approximately $150 per year just by shopping early and online

Rates by Driver Age

Lexus ES 350 Insurance 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

Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,536
$250 $1,392
$500 $1,226
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
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

Lexus ES 350 Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $707

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

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