Lexus ES 350 Insurance Rates

The average insurance prices for a Lexus ES 350 are $1,226 every 12 months for full coverage insurance. Comprehensive insurance costs on average $258, collision insurance costs $442, and liability is $390. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $2,654 or more. 16-year-old drivers cost the most to insure at up to $4,606 a year.

Average premium for full coverage: $1,226

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different ES 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using rate averages.

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

More Rate Information

The chart below illustrates average Lexus ES 350 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $707
• Raising to $1,000 deductibles will save around $158 each year
• The average price for a good driver age 40 with $500 deductibles is $1,226
• Buying more expensive low deductibles costs an extra $310 every year
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,654
• Policy cost to insure a teen driver with full coverage may cost $4,606

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $470 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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 little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

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 Vermont, Wisconsin, and North Carolina, or at least $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Cheapest Lexus ES 350 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit score, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by getting quotes from direct insurance companies, and also from several local insurance agents.

The items below are a recap of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers that have major violations or accidents pay on average $1,430 more each year to insure their ES 350
• It is possible to save as much as $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Policyholders who require more liability coverage will pay around $430 annually to raise from a 30/60 limit to a 250/500 level