Lexus ES 350 Insurance Rates

Estimated insurance rates for a Lexus ES 350 are $1,288 a year with full coverage. Comprehensive insurance costs approximately $270 each year, collision insurance costs $494, and liability coverage is $388. A liability-only policy costs around $434 a year, and high-risk insurance costs $2,792 or more. Teens pay the most at up to $4,802 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. 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 the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $737
• Raising to $1,000 deductibles will save $174 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,288
• Selecting low deductibles will cost an extra $336 each year
• Unlucky drivers with serious driving violations could pay around $2,792
• An auto insurance policy for full coverage for a teenage driver can cost $4,802

View Chart as Image

Auto insurance prices for a Lexus ES 350 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

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 $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus ES 350 Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having good credit, being claim-free, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick review of the data touched on in the above illustrations.

• Consumers who purchase higher levels of liability will pay approximately $430 every year to raise from 30/60 bodily injury limits to 250/500 limits
• You may be able to save around $160 per year just by quoting online in advance
• Increasing policy deductibles can save around $500 each year
• Teenage drivers have the highest car insurance prices, possibly costing $400 per month if they have full coverage