Lexus ES 350 Insurance Rates

Estimated auto insurance rates for a Lexus ES 350 are $1,226 annually for full coverage. Comprehensive insurance costs on average $258 each year, collision insurance costs $442, and liability coverage is $390. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $2,654 or more. Teenage drivers pay the most at up to $4,606 a year.

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and ES 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $707
• Raising to $1,000 deductibles will save around $158 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,226
• Using low deductibles costs an additional $310 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,654
• An auto insurance policy with full coverage for a teenage driver may cost $4,606

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Insurance prices for a Lexus ES 350 also have a wide range based on the model of your ES 350, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $470 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus ES 350 insurance rates. A middle-age driver might find 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.

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How to Buy Cheap Lexus ES 350 Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by quoting rates from direct carriers, and also from local insurance agents.

The following is a brief summary of the ideas that were covered above.

• Teens pay higher prices, as much as $384 per month if they have full coverage
• Drivers that tend to have accidents or serious violations may be required to pay an average of $1,430 more each year for ES 350 insurance
• Increasing policy deductibles could save up to $475 each year
• Drivers can save as much as $150 per year just by quoting online in advance