Lexus ES 350 Insurance Rates

U.S. average insurance rates for a Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive insurance costs on average $270, collision insurance costs $494, and liability insurance costs around $388. Buying just liability costs as low as $434 a year, and insurance for high-risk drivers costs $2,792 or more. 16-year-old drivers pay the highest rates at up to $4,802 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $737
• Using higher $1,000 deductibles will save around $174 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,288
• Buying more expensive low deductibles for physical damage coverage will cost an extra $336 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,792
• The price for full coverage for a teen driver with full coverage may cost $4,802 or more

View Chart as Image

Insurance prices for a Lexus ES 350 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus ES 350 insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $510 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Lexus ES 350 Insurance

Getting lower rates on Lexus ES 350 insurance requires being a safe and courteous driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a condensed summary of the data presented in the illustrations above.

• Drivers who require higher levels of liability will pay around $430 annually to increase from a low limit to 250/500 limits
• It is possible to save as much as $160 per year just by shopping early and online
• Increasing physical damage deductibles can save around $500 each year
• Teenage drivers pay higher prices, as much as $400 a month including comprehensive and collision insurance