Lexus ES 350 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Lexus ES 350 are $1,326 a year with full coverage. Comprehensive insurance costs around $282, collision costs $524, and liability insurance is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing $2,876 or more. Teens receive the highest rates at $4,920 a year or more.

Average premium for full coverage: $1,326

Rate estimates for individual coverage type:

Comprehensive $282
Collision $524
Liability $384

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different ES 350 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as low as $432 for just the minimum liability insurance to a much higher rate of $2,876 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,326
High Risk $2,876

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $995
Small Cities $1,392
Large Cities $1,790

These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $754
  • Choosing higher $1,000 deductibles can save about $184 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,326
  • Selecting more expensive low deductibles for comp and collision coverage will cost an extra $356 a year
  • High-risk insureds with serious driving violations could pay at least $2,876 or more
  • The cost for full coverage for a teen driver with full coverage can be $4,920 each year

View Chart as Image

Lexus ES 350 insurance cost comparison chart
Column chart showing full coverage Lexus ES 350 insurance prices range from $754 to $4,920

Insurance rates for a Lexus ES 350 can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus ES 350 insurance rates. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,790 on average in Florida, Michigan, and New York.

Lexus ES 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$130 -9.8%
Alaska $1,016 -$310 -23.4%
Arizona $1,098 -$228 -17.2%
Arkansas $1,326 -$0 0.0%
California $1,510 $184 13.9%
Colorado $1,262 -$64 -4.8%
Connecticut $1,358 $32 2.4%
Delaware $1,496 $170 12.8%
Florida $1,654 $328 24.7%
Georgia $1,224 -$102 -7.7%
Hawaii $952 -$374 -28.2%
Idaho $896 -$430 -32.4%
Illinois $986 -$340 -25.6%
Indiana $1,000 -$326 -24.6%
Iowa $894 -$432 -32.6%
Kansas $1,256 -$70 -5.3%
Kentucky $1,806 $480 36.2%
Louisiana $1,960 $634 47.8%
Maine $818 -$508 -38.3%
Maryland $1,092 -$234 -17.6%
Massachusetts $1,054 -$272 -20.5%
Michigan $2,298 $972 73.3%
Minnesota $1,110 -$216 -16.3%
Mississippi $1,586 $260 19.6%
Missouri $1,176 -$150 -11.3%
Montana $1,422 $96 7.2%
Nebraska $1,042 -$284 -21.4%
Nevada $1,588 $262 19.8%
New Hampshire $954 -$372 -28.1%
New Jersey $1,480 $154 11.6%
New Mexico $1,172 -$154 -11.6%
New York $1,394 $68 5.1%
North Carolina $762 -$564 -42.5%
North Dakota $1,084 -$242 -18.3%
Ohio $912 -$414 -31.2%
Oklahoma $1,358 $32 2.4%
Oregon $1,214 -$112 -8.4%
Pennsylvania $1,262 -$64 -4.8%
Rhode Island $1,764 $438 33.0%
South Carolina $1,200 -$126 -9.5%
South Dakota $1,118 -$208 -15.7%
Tennessee $1,158 -$168 -12.7%
Texas $1,596 $270 20.4%
Utah $980 -$346 -26.1%
Vermont $904 -$422 -31.8%
Virginia $792 -$534 -40.3%
Washington $1,022 -$304 -22.9%
West Virginia $1,214 -$112 -8.4%
Wisconsin $914 -$412 -31.1%
Wyoming $1,178 -$148 -11.2%

View Chart as Image

Lexus ES 350 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $345 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates can be significantly different from one company to the next.

Lexus ES 350 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Lexus ES 350 $362 $656 $316 $1,470
2023 Lexus ES 350 $346 $630 $332 $1,444
2022 Lexus ES 350 $332 $626 $338 $1,432
2021 Lexus ES 350 $320 $610 $354 $1,420
2020 Lexus ES 350 $310 $586 $364 $1,396
2018 Lexus ES 350 $282 $524 $384 $1,326
2016 Lexus ES 350 $258 $442 $390 $1,226

Rates are averaged for all Lexus ES 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Lexus ES 350 Insurance

Saving money on Lexus ES 350 insurance takes having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around once a year by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a summary of the data that was raised in the charts and tables above.

  • You may be able to save up to $160 per year simply by shopping early and online
  • Drivers who may need additional liability coverage will pay approximately $420 every year to raise limits from a minimum limit to 250/500 limits
  • 16 to 18-year-old drivers pay higher rates, with premiums as much as $410 per month for full coverage
  • High-risk drivers who have multiple accidents or major violations pay an average of $1,550 more every year than a driver with a clean driving record

Rates by Driver Age

Lexus ES 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,920
20 $3,062
30 $1,382
40 $1,326
50 $1,210
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,682
$250 $1,516
$500 $1,326
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,326
50/100 $1,403
100/300 $1,499
250/500 $1,748
100 CSL $1,441
300 CSL $1,652
500 CSL $1,806

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus ES 350 Insurance Rates for High Risk Drivers
Age Premium
16 $7,040
20 $4,878
30 $2,940
40 $2,876
50 $2,742
60 $2,718

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $67
Online Quote $95
Total Discounts $572
Rate after discounts $754

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles