Lexus ES 350 Insurance Rates

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

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different ES 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $707
• Choosing higher $1,000 deductibles can save approximately $158 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,226
• Using more expensive low deductibles for comp and collision coverage costs an additional $310 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,654 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,606 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage 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 without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $470 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

How to Buy Cheap Lexus ES 350 Insurance

Finding cheaper rates on Lexus ES 350 insurance takes avoiding accidents and claims, having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the data touched on in this article.

• Drivers who want increased liability limits will pay an extra $430 annually to raise limits from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $384 each month if they have full coverage