Lexus ES 350 Insurance Rates

Average insurance prices for a Lexus ES 350 are $1,226 every 12 months for full coverage insurance. Comprehensive costs on average $258 a year, collision insurance costs $442, and liability is $390. A liability-only policy costs around $438 a year, and high-risk insurance costs around $2,654. 16-year-old drivers receive the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and ES 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and their own driving history, instead of using rate averages.

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

Rate Comparisons

The chart below illustrates average Lexus ES 350 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $707
• Raising to $1,000 deductibles will save around $1,068 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,226
• Buying low $100 deductibles increases the price to $1,536
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,654
• The cost to insure a teen driver may cost $4,606

View Chart as Image

Insurance rates for a Lexus ES 350 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your ES 350.

Opting for high physical damage deductibles can reduce rates by up to $470 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Lexus ES 350 insurance prices. A middle-age driver might find rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Right Lexus ES 350 Insurance

Saving money on car insurance consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates every couple of years by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a quick rundown of the material that was presented in the illustrations above.

• Policyholders who require higher liability limits will pay around $430 annually to raise from a minimum limit to a 250/500 level
• Teenagers pay the highest rates, costing up to $384 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,430 more each year for car insurance
• Increasing deductibles could save as much as $475 each year