Lexus ES 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: May 22, 2024
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Estimated insurance rates for a Lexus ES 350 are $1,226 a year including full coverage. Comprehensive costs an estimated $258 a year, collision insurance costs $442, and liability insurance costs around $390. A liability-only policy costs as low as $438 a year, and high-risk insurance costs around $2,654. 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:
Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and ES 350 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus ES 350 range from the low end price of $438 for just liability insurance to a high of $2,654 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.
These rate differences highlight why it is important to compare prices for a targeted area, rather than relying 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.
More Rate Details
The chart below breaks down 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 $1,068 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,226
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,536
- Drivers with multiple violations and an at-fault accident could pay up to $2,654
- An auto insurance policy that insures a teen driver can cost as much as $4,606 or more
Auto insurance prices for a Lexus ES 350 also have a wide range based on the trim level of your ES 350, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,500 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus ES 350 insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,750 on average in Louisiana, New York, and Michigan.
| 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 could cut prices by as much as $470 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit
| 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 Cheapest Lexus ES 350 Insurance
Finding better rates on Lexus ES 350 insurance requires being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Shop around every time your policy renews by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a recap of the information presented in the illustrations above.
- You may be able to save approximately $150 per year just by quoting early and online
- Teen drivers are the costliest to insure, with the cost nearing $384 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $475 each year
- High-risk drivers that have major violations or accidents could be charged and average of $1,430 more annually to insure their ES 350
- Drivers who want more liability coverage will pay about $430 per year to increase from 30/60 bodily injury limits to the 250/500 level
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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