Lexus ES 350 Insurance Rates

Average insurance rates for a Lexus ES 350 are $1,226 a year including full coverage. Comprehensive insurance costs on average $258 each year, 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 $2,654 or more. Teens 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 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ES 350 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $707
• Using higher $1,000 deductibles will save around $158 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,226
• Selecting low deductibles for physical damage coverage will cost an extra $310 every year
• Drivers with serious driving violations could pay upwards of $2,654
• The cost for full coverage for a teen driver may cost $4,606 or more

View Chart as Image

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

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than the average policy. View High Risk Driver Rates

How to Find the Best Lexus ES 350 Insurance

Saving money on car insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a brief recap of the data covered above.

• Policyholders who require higher liability limits will pay approximately $430 per year to increase from a minimum limit to 250/500 limits
• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing deductibles can save around $475 each year
• Teens are charged the highest rates, as much as $384 per month if they have full coverage