Lexus ES 350 Insurance Rates

Average insurance prices for a Lexus ES 350 are $1,226 every 12 months including full coverage. Comprehensive costs around $258 each year, collision insurance costs $442, and liability costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $2,654. Teen drivers receive the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,226

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and ES 350 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down average Lexus ES 350 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $707
• Using higher $1,000 deductibles will save about $158 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,226
• Choosing low deductibles for physical damage coverage increases the price to $1,536
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,654
• The cost to insure a 16-year-old driver can be $4,606 or more

View Chart as Image

Auto insurance rates for a Lexus ES 350 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $470 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 43% to 136% more than average. View High Risk Driver Rates

Where you live has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for More Affordable Lexus ES 350 Insurance

Saving money on insurance for a Lexus ES 350 requires avoiding accidents and claims, having a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a summary of the data touched on above.

• Insureds who may need increased liability limits will pay about $430 per year to increase from a minimum limit to a 250/500 level
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing deductibles could save as much as $475 each year
• Drivers under the age of 20 are expensive to insure, as much as $384 per month if comprehensive and collision insurance is included