Lexus ES 350 Insurance Rates

Estimated insurance rates for a Lexus ES 350 are $1,288 a year with full coverage. Comprehensive costs on average $270 a year, collision insurance costs $494, and liability costs around $388. Liability-only insurance costs as low as $434 a year, and high-risk driver insurance costs around $2,792. Teens pay the most at up to $4,802 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and ES 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $737
• Using higher $1,000 deductibles will save around $1,114 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,288
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,624
• High-risk insureds with serious driving violations could pay upwards of $2,792
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,802 or more

View Chart as Image

Insurance prices for a Lexus ES 350 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find Cheap Lexus ES 350 Insurance

Finding better rates on insurance for a Lexus ES 350 requires having a good driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a brief summary of the coverage data touched on in this article.

• You may be able to save as much as $160 per year just by quoting early and online
• Increasing policy deductibles can save around $500 each year
• Drivers age 20 and younger pay higher prices, possibly costing $400 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,500 more each year to buy Lexus ES 350 insurance