Lexus ES 350 Insurance Rates

The average auto insurance rates for a Lexus ES 350 are $1,288 annually for full coverage. Comprehensive costs around $270 each year, collision insurance costs $494, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs around $2,792. Teenage drivers cost the most to insure at up to $4,802 a year.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and ES 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code 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.

Additional Charts and Tables

The chart below shows average Lexus ES 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $737
• Drivers who choose higher $1,000 deductibles will pay about $174 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,288
• Using low deductibles for comprehensive and collision insurance will cost $1,624
• Drivers who are prone to accidents and violations could pay at least $2,792
• Policy cost with full coverage for a 16-year-old driver can be $4,802 a year

View Chart as Image

Car insurance rates for a Lexus ES 350 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Lexus ES 350 Insurance

Finding cheaper rates on insurance for a Lexus ES 350 not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the car insurance concepts touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,500 more every year than a safer driver
• Drivers can save up to $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Insureds who may need an increased level of liability coverage will pay an extra $430 each year to go from a 30/60 limit to higher 250/500 limits