Lexus ES 350 Insurance Rates

Estimated insurance rates for a Lexus ES 350 are $1,226 a year for full coverage insurance. Comprehensive insurance costs on average $258 each year, collision insurance costs $442, and liability coverage is $390. A policy with only liability insurance costs around $438 a year, and a high-risk policy costs $2,654 or more. Teen drivers pay the most at up to $4,606 a year.

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

Includes $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 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 insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $707
• Raising to $1,000 deductibles will save around $158 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,226
• Choosing low deductibles will cost an additional $310 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,654
• An auto insurance policy that insures a teenage driver may cost $4,606

View Chart as Image

Car insurance prices for a Lexus ES 350 also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,600 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 $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $470 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus ES 350 Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a recap of the primary concepts that were touched on in this article.

• It is possible to save as much as $150 per year just by quoting online in advance
• Drivers that have major violations or accidents may pay on average $1,430 more each year for ES 350 insurance
• Increasing policy deductibles can save approximately $475 each year
• Teens are expensive to insure, with premiums being up to $384 per month if full coverage is purchased