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 costs approximately $258, collision insurance costs $442, and liability costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $2,654. Teen 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:

Rates are based on $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all ES 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on price averages.

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

More Rate Details

The chart below illustrates average Lexus ES 350 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $707
• Using higher $1,000 deductibles will save $158 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,226
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,536
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,654
• Policy cost to insure a 16-year-old driver for full coverage can cost $4,606 or more

View Chart as Image

Insurance rates for a Lexus ES 350 also range considerably based on liability limits and deductibles, your risk profile, and the model of your ES 350.

Choosing high deductibles could cut rates by as much as $470 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark 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 anywhere from $1,500 to $2,000 extra every year, depending on your age. Lexus ES 350 insurance for high-risk drivers can be from 43% to 136% more than average. View High Risk Driver Rates

Your home state has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Lexus ES 350 Insurance

Finding cheaper rates on insurance for a Lexus ES 350 requires having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Make time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick review of the material that was touched on in this article.

• Insureds who purchase increased levels of liability coverage will pay about $430 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $384 each month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,430 more per year to buy Lexus ES 350 insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year