Lexus ES 350 Insurance Rates

U.S. average insurance prices for a Lexus ES 350 are $1,226 every 12 months for full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $442, and liability costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $2,654 or more. Teenage drivers pay the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,226

Price estimates broken down by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different ES 350 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have more infrequent accident claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $707
• Drivers who choose higher $1,000 deductibles will pay approximately $158 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,226
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $310 annually
• Drivers who are prone to accidents and violations could pay up to $2,654
• The price to insure a 16-year-old driver with full coverage can cost as much as $4,606 a year

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Auto insurance prices for a Lexus ES 350 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $470 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

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How to Shop for More Affordable Lexus ES 350 Insurance

Getting lower rates on insurance for a Lexus ES 350 not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a summary of the car insurance concepts illustrated above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,430 more annually for auto insurance
• Drivers can save approximately $150 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $475 each year
• Insureds who want higher levels of liability will pay an extra $430 each year to go from a low limit to a 250/500 level