Lexus ES 350 Insurance Rates

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

Average premium for full coverage: $1,226

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and ES 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above show why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows average Lexus ES 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $707
• Using higher $1,000 deductibles will save about $1,068 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,226
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,536
• Drivers who are prone to accidents and violations could pay at least $2,654
• The price for full coverage for a teen driver can be $4,606 or more

View Chart as Image

Auto insurance prices for a Lexus ES 350 are also quite variable based on your driving record, the trim level of your ES 350, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

The state you live in has a huge impact on Lexus ES 350 insurance rates. A driver around age 40 might see prices as low as $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $470 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Lexus ES 350 Insurance

Getting lower rates on Lexus ES 350 insurance requires having a decent driving record, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a brief summary of the car insurance concepts touched on above.

• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,430 more every year than a driver with a clean driving record
• Drivers can save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $475 each year
• Drivers who may need additional liability coverage will pay an extra $430 each year to increase from a low limit to 250/500 limits