Lexus ES 350 Insurance Rates

Average insurance rates for a Lexus ES 350 are $1,226 a year including full coverage. Comprehensive costs on average $258 each year, collision insurance costs $442, and liability coverage costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,654. Teenage drivers receive the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ES 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

These examples highlight why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $707
• Drivers who choose higher $1,000 deductibles will pay around $158 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,226
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,536
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,654
• The cost for full coverage for a teenage driver may cost $4,606 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus ES 350 insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $470 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Best Lexus ES 350 Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, not filing small claims, and determing if full coverage is necessary. Make time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a brief recap of the data that was touched on in this article.

• You may be able to save as much as $150 per year just by quoting online in advance
• Consumers who require increased liability limits will pay an extra $430 per year to go from a minimum limit to 250/500 limits
• Drivers under the age of 20 pay the highest rates, as much as $384 per month for full coverage
• Drivers who tend to receive serious violations may pay on average $1,430 more each year to insure a Lexus ES 350