Lexus ES 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 22, 2024
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The average insurance rates for a Lexus ES 350 are $1,226 a year including full coverage. Comprehensive insurance costs on average $258, 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 $2,654 or more. 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:
Full coverage includes $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different ES 350 trim levels.
Price Range Variability
For a driver in their 40's, Lexus ES 350 insurance rates range from the low end price of $438 for just the minimum liability insurance to a much higher rate of $2,654 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down average Lexus ES 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $707
- Using higher $1,000 deductibles will save around $158 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,226
- Choosing more expensive low deductibles for physical damage coverage will cost an additional $310 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,654
- Policy cost that insures a teen driver with full coverage may cost $4,606 or more
Insurance rates for a Lexus ES 350 also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 136% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age
Your home state has a huge impact on Lexus ES 350 insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,110 | -$116 | -9.5% |
| Alaska | $942 | -$284 | -23.2% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,398 | $172 | 14.0% |
| Colorado | $1,170 | -$56 | -4.6% |
| Connecticut | $1,260 | $34 | 2.8% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,534 | $308 | 25.1% |
| Georgia | $1,134 | -$92 | -7.5% |
| Hawaii | $882 | -$344 | -28.1% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $914 | -$312 | -25.4% |
| Indiana | $926 | -$300 | -24.5% |
| Iowa | $826 | -$400 | -32.6% |
| Kansas | $1,166 | -$60 | -4.9% |
| Kentucky | $1,674 | $448 | 36.5% |
| Louisiana | $1,816 | $590 | 48.1% |
| Maine | $760 | -$466 | -38.0% |
| Maryland | $1,014 | -$212 | -17.3% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,130 | $904 | 73.7% |
| Minnesota | $1,028 | -$198 | -16.2% |
| Mississippi | $1,470 | $244 | 19.9% |
| Missouri | $1,090 | -$136 | -11.1% |
| Montana | $1,318 | $92 | 7.5% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,470 | $244 | 19.9% |
| New Hampshire | $884 | -$342 | -27.9% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,086 | -$140 | -11.4% |
| New York | $1,292 | $66 | 5.4% |
| North Carolina | $706 | -$520 | -42.4% |
| North Dakota | $1,006 | -$220 | -17.9% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,260 | $34 | 2.8% |
| Oregon | $1,124 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$58 | -4.7% |
| Rhode Island | $1,636 | $410 | 33.4% |
| South Carolina | $1,112 | -$114 | -9.3% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,074 | -$152 | -12.4% |
| Texas | $1,480 | $254 | 20.7% |
| Utah | $910 | -$316 | -25.8% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $736 | -$490 | -40.0% |
| Washington | $948 | -$278 | -22.7% |
| West Virginia | $1,126 | -$100 | -8.2% |
| Wisconsin | $846 | -$380 | -31.0% |
| Wyoming | $1,092 | -$134 | -10.9% |
Choosing high deductibles could cut rates by as much as $470 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2023 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2022 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2021 Lexus ES 350 | $292 | $564 | $376 | $1,368 |
| 2020 Lexus ES 350 | $282 | $524 | $384 | $1,326 |
| 2018 Lexus ES 350 | $258 | $442 | $390 | $1,226 |
| 2016 Lexus ES 350 | $234 | $382 | $394 | $1,146 |
Rates are averaged for all Lexus ES 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Lexus ES 350 Insurance
Finding cheaper rates on Lexus ES 350 insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The following is a summary of the coverage data covered in the charts and tables above.
- You may be able to save as much as $150 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- Teens pay higher rates, with premiums being up to $384 each month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,430 more each year for ES 350 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,606 |
| 20 | $2,824 |
| 30 | $1,278 |
| 40 | $1,226 |
| 50 | $1,122 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,392 |
| $500 | $1,226 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,304 |
| 100/300 | $1,402 |
| 250/500 | $1,655 |
| 100 CSL | $1,343 |
| 300 CSL | $1,558 |
| 500 CSL | $1,714 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,568 |
| 20 | $4,496 |
| 30 | $2,710 |
| 40 | $2,654 |
| 50 | $2,534 |
| 60 | $2,510 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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