Lexus ES 350 Insurance Rates

The average insurance rates for a Lexus ES 350 are $1,226 a year for full coverage. Comprehensive costs on average $258 a year, collision costs $442, and liability coverage costs $390. Liability-only insurance costs as little as $438 a year, with high-risk driver insurance costing around $2,654. Teenage drivers cost the most to insure at $4,606 a year or more.

Average premium for full coverage: $1,226

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and ES 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare rates based on a specific location and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $707
• Drivers who choose higher $1,000 deductibles will pay around $1,068 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,226
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,536
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,654 or more
• Policy cost for full coverage for a teenage driver may cost $4,606 a year

View Chart as Image

Auto insurance rates for a Lexus ES 350 also range considerably based on your risk profile, the trim level of your ES 350, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 350 insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Using high physical damage deductibles could save up to $470 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

How to Find Low Cost Lexus ES 350 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every other renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a review of the concepts that were illustrated above.

• Drivers who have several accidents or serious violations will pay on average $1,430 more each year to insure their ES 350
• Teen drivers are charged the highest rates, costing up to $384 each month if they have full coverage
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers can save as much as $150 per year simply by quoting early and online