Lexus ES 350 Insurance Rates

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UPDATED: May 22, 2024

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Average insurance rates for a Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive costs approximately $270 a year, collision costs $494, and liability insurance is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing around $2,792. 16-year-old drivers receive the highest rates at $4,802 a year or more.

Average premium for full coverage: $1,288

Rate estimates by individual coverage type:

Comprehensive $270
Collision $494
Liability $388

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and ES 350 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the low end price of $434 for a discount liability-only rate to a high of $2,792 for coverage for higher-risk drivers.

Liability Only $434
Full Coverage $1,288
High Risk $2,792

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

These examples illustrate why it is important to compare rates quotes using their specific location, rather than relying on rate averages.

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.

Rates by State, City, and Model

The chart below illustrates estimated Lexus ES 350 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $737
  • Raising to $1,000 deductibles will save $1,114 each year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,288
  • Buying low $100 deductibles bumps up the cost to $1,624
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,792 or more
  • The cost that insures a teen driver can cost $4,802

View Chart as Image

Lexus ES 350 insurance cost comparison chart
Column chart showing full coverage Lexus ES 350 insurance rates range from $737 to $4,802

Auto insurance rates for a Lexus ES 350 can also vary considerably based on the trim level of your ES 350, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live also has a big influence on Lexus ES 350 insurance rates. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, and Michigan.

Lexus ES 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$126 -9.8%
Alaska $984 -$304 -23.6%
Arizona $1,068 -$220 -17.1%
Arkansas $1,288 -$0 0.0%
California $1,466 $178 13.8%
Colorado $1,228 -$60 -4.7%
Connecticut $1,322 $34 2.6%
Delaware $1,454 $166 12.9%
Florida $1,606 $318 24.7%
Georgia $1,190 -$98 -7.6%
Hawaii $924 -$364 -28.3%
Idaho $870 -$418 -32.5%
Illinois $958 -$330 -25.6%
Indiana $970 -$318 -24.7%
Iowa $868 -$420 -32.6%
Kansas $1,220 -$68 -5.3%
Kentucky $1,754 $466 36.2%
Louisiana $1,904 $616 47.8%
Maine $792 -$496 -38.5%
Maryland $1,062 -$226 -17.5%
Massachusetts $1,026 -$262 -20.3%
Michigan $2,232 $944 73.3%
Minnesota $1,078 -$210 -16.3%
Mississippi $1,542 $254 19.7%
Missouri $1,142 -$146 -11.3%
Montana $1,380 $92 7.1%
Nebraska $1,012 -$276 -21.4%
Nevada $1,542 $254 19.7%
New Hampshire $928 -$360 -28.0%
New Jersey $1,438 $150 11.6%
New Mexico $1,138 -$150 -11.6%
New York $1,354 $66 5.1%
North Carolina $740 -$548 -42.5%
North Dakota $1,052 -$236 -18.3%
Ohio $886 -$402 -31.2%
Oklahoma $1,318 $30 2.3%
Oregon $1,178 -$110 -8.5%
Pennsylvania $1,226 -$62 -4.8%
Rhode Island $1,714 $426 33.1%
South Carolina $1,164 -$124 -9.6%
South Dakota $1,084 -$204 -15.8%
Tennessee $1,124 -$164 -12.7%
Texas $1,550 $262 20.3%
Utah $952 -$336 -26.1%
Vermont $878 -$410 -31.8%
Virginia $770 -$518 -40.2%
Washington $990 -$298 -23.1%
West Virginia $1,180 -$108 -8.4%
Wisconsin $888 -$400 -31.1%
Wyoming $1,144 -$144 -11.2%

View Chart as Image

Lexus ES 350 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $510 each year, while buying higher liability limits will push rates upward. 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

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.

Lexus ES 350 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Lexus ES 350 $346 $630 $332 $1,444
2023 Lexus ES 350 $332 $626 $338 $1,432
2022 Lexus ES 350 $320 $610 $354 $1,420
2021 Lexus ES 350 $310 $586 $364 $1,396
2020 Lexus ES 350 $292 $564 $376 $1,368
2018 Lexus ES 350 $270 $494 $388 $1,288
2016 Lexus ES 350 $242 $408 $390 $1,176

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 the Best Cheap Lexus ES 350 Insurance

Saving money on Lexus ES 350 insurance consists of being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a quick review of the primary concepts that were raised in the charts and tables above.

  • It is possible to save around $160 per year simply by quoting early and online
  • High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,500 more per year than a low-risk driver
  • Increasing deductibles can save approximately $500 each year
  • Youthful drivers have the highest car insurance rates, costing up to $400 per month if the policy includes full coverage

Rates by Driver Age

Lexus ES 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,802
20 $2,970
30 $1,340
40 $1,288
50 $1,176
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,624
$250 $1,468
$500 $1,288
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,366
100/300 $1,463
250/500 $1,715
100 CSL $1,404
300 CSL $1,618
500 CSL $1,773

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus ES 350 Insurance Rates for High Risk Drivers
Age Premium
16 $6,862
20 $4,732
30 $2,850
40 $2,792
50 $2,660
60 $2,638

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $64
Online Quote $92
Total Discounts $551
Rate after discounts $737

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

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