Lexus ES 350 Insurance Rates
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UPDATED: May 22, 2024
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U.S. average insurance rates for a Lexus ES 350 are $1,326 a year for full coverage insurance. Comprehensive insurance costs an estimated $282 a year, collision costs $524, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing $2,876 or more. Teens pay the highest rates at $4,920 a year or more.
Average premium for full coverage: $1,326
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and ES 350 trim levels.
Price Range from Low to High
For the normal driver, Lexus ES 350 insurance prices go from the low end price of $432 for liability-only coverage to a high of $2,876 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above illustrate why it is important to compare prices for a targeted area, instead of making a decision based 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 Charts and Tables
The chart below illustrates estimated Lexus ES 350 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $754
- Using higher $1,000 deductibles will save approximately $1,142 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,326
- Selecting low $100 deductibles for physical damage coverage will cost an additional $356 annually
- High-risk insureds with serious driving violations could pay up to $2,876 or more
- The price that insures a 16-year-old driver can cost as much as $4,920 or more
Auto insurance prices for a Lexus ES 350 are also quite variable based on the trim level of your ES 350, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 45% to 135% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age
The state you live in has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,790 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite different.
| 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 Low Cost Lexus ES 350 Insurance
Getting lower rates on insurance for a Lexus ES 350 requires being a good driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates at every policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.
The following list is a review of the data presented in the illustrations above.
- Insureds who want an increased level of liability coverage will pay approximately $420 annually to increase from a low limit to the 250/500 level
- It is possible to save approximately $160 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $550 each year
- Drivers age 16 to 20 are the costliest to insure, as much as $410 a month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,516 |
| $500 | $1,326 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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