Lexus ES 350 Insurance Rates

Average insurance rates for a Lexus ES 350 are $1,226 a year with full coverage. Comprehensive insurance costs on average $258 each year, 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. 16-year-old drivers receive the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and ES 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

These examples demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $707
• Drivers who choose higher $1,000 deductibles will pay around $158 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,226
• Buying low deductibles for comprehensive and collision insurance will cost an extra $310 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,654
• The cost for full coverage for a 16-year-old driver may cost $4,606 a year

View Chart as Image

Car insurance rates for a Lexus ES 350 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $470 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than the average rate. View High Risk Driver Rates

How to Find the Best Lexus ES 350 Insurance

Saving money on insurance for a Lexus ES 350 not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around once a year by getting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

Below you'll find a brief recap of the data that was illustrated above.

• You may be able to save as much as $150 per year just by quoting online in advance
• Insureds who require more liability protection will pay around $430 every year to go from a minimum limit to 250/500 limits
• Youthful drivers are expensive to insure, with premiums as much as $384 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,430 more each year than a low-risk driver