Lexus ES 350 Insurance Rates

Average insurance rates for a Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive costs around $270 each year, collision insurance costs $494, and liability costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs around $2,792. Teenage drivers receive the highest rates at up to $4,802 a year.

Average premium for full coverage: $1,288

Rate estimates for individual coverage type:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and ES 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code, instead of using average rates.

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

Additional Rate Information

The chart below illustrates average Lexus ES 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $737
• Drivers who choose higher $1,000 deductibles will pay about $174 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,288
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,624
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,792
• The cost that insures a teen driver can be $4,802 a year

View Chart as Image

Auto insurance rates for a Lexus ES 350 can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Where you live makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $510 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Lexus ES 350 Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a condensed summary of the data that was illustrated above.

• It is possible to save up to $160 per year just by quoting online in advance
• Policyholders who may need higher levels of liability will pay an extra $430 annually to go from a minimum limit to the 250/500 level
• Teenage drivers are expensive to insure, costing up to $400 per month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,500 more every year for auto insurance