Lexus ES 350 Insurance Rates

The average insurance rates for a Lexus ES 350 are $1,226 a year with full coverage. Comprehensive costs approximately $258 each year, collision costs $442, and liability insurance is estimated at $390. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $2,654. Teenage drivers cost the most to insure at $4,606 a year or more.

Average premium for full coverage: $1,226

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and ES 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

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

The examples above demonstrate why all drivers should get quotes using their specific location and risk profile, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $707
• Choosing higher $1,000 deductibles can save $158 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,226
• Using low deductibles for comp and collision coverage will increase the cost to $1,536
• High-risk insureds who are prone to accidents and violations could pay around $2,654 or more
• Policy cost for full coverage for a teen driver can cost $4,606 each year

View Chart as Image

Insurance rates for a Lexus ES 350 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus ES 350 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $470 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.

How to Find Cheap Lexus ES 350 Insurance

Finding cheaper rates on Lexus ES 350 insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $150 per year simply by quoting online in advance
• High-risk drivers that tend to have accidents or serious violations pay on average $1,430 more per year to insure a Lexus ES 350
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers under the age of 20 are expensive to insure, as much as $384 each month for full coverage