Lexus ES 350 Insurance Rates

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

Average premium for full coverage: $1,226

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different ES 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $707
• Using higher $1,000 deductibles will save approximately $158 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,226
• Choosing more expensive low deductibles for physical damage coverage costs an additional $310 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,654
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,606 or more

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Auto insurance prices for a Lexus ES 350 also have a wide range based on the model of your ES 350, your driving record, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $470 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Best Cheap Lexus ES 350 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around every year by requesting quotes from direct companies, and also from several local insurance agents.

The list below is a quick review of the coverage data illustrated above.

• You may be able to save approximately $150 per year just by shopping early and online
• Increasing policy deductibles could save up to $475 each year
• Teenagers are the costliest to insure, possibly costing $384 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,430 more annually for car insurance