Lexus ES 350 Insurance Rates

The average insurance rates for a Lexus ES 350 are $1,226 a year with full coverage. Comprehensive insurance costs an estimated $258 a year, collision insurance costs $442, and liability costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,654 or more. 16-year-old drivers cost the most to insure at up to $4,606 a year.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and ES 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The diagram below illustrates how where you live affects insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, instead of using rate averages.

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

Additional Charts and Tables

The chart below details average Lexus ES 350 insurance rates for other coverage scenarios.

• The best full coverage rate is $707
• Drivers who choose higher $1,000 deductibles will pay approximately $1,068 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,226
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $310 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,654
• Policy cost for full coverage for a teen driver can cost as much as $4,606 a year

View Chart as Image

Car insurance rates for a Lexus ES 350 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $470 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

How to Find the Right Lexus ES 350 Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and possibly higher deductibles. Take the time to comparison shop at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a quick rundown of the concepts that were touched on in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,430 more annually for auto insurance
• Teenage drivers have the highest car insurance rates, as much as $384 each month if full coverage is included
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• You may be able to save approximately $150 per year just by quoting early and online