Lexus ES 350 Insurance Rates

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UPDATED: May 22, 2024

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U.S. average auto insurance rates for a Lexus ES 350 are $1,288 annually for full coverage. Comprehensive insurance costs an estimated $270, collision costs $494, and liability is $388. Liability-only insurance costs around $434 a year, with high-risk driver insurance costing $2,792 or more. Teenage drivers pay the highest rates at $4,802 a year or more.

Average premium for full coverage: $1,288

Price estimates broken down by individual coverage:

Comprehensive $270
Collision $494
Liability $388

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

Price Range from Low to High

Using a middle-aged driver as an example, Lexus ES 350 insurance prices go from as cheap as $434 for basic liability insurance to a much higher rate of $2,792 for coverage for higher-risk drivers.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

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

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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.

Rate Comparisons

The chart below shows estimated Lexus ES 350 insurance rates for other coverage scenarios.

  • The best discount rate is $737
  • Raising to $1,000 deductibles will save approximately $174 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,288
  • Using more expensive low deductibles costs an additional $336 annually
  • Drivers who are prone to accidents and violations could pay up to $2,792 or more
  • The price with full coverage for a 16-year-old driver with full coverage can cost as much as $4,802

View Chart as Image

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

Car insurance prices for a Lexus ES 350 are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $510 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus ES 350 insurance prices. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, 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

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Best Cheap Lexus ES 350 Insurance

Getting lower rates on insurance for a Lexus ES 350 consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a quick review of the primary concepts that were touched on in the above illustrations.

  • Drivers can save approximately $160 per year simply by shopping early and online
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,500 more annually for car insurance
  • Increasing physical damage deductibles could save up to $500 each year
  • Teenagers have the highest car insurance prices, with premiums as much as $400 a month if comprehensive and collision insurance is included

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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