Lexus ES 350 Insurance Rates
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UPDATED: May 22, 2024
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Estimated insurance rates for a Lexus ES 350 are $1,288 a year with full coverage. Comprehensive insurance costs on average $270, collision costs $494, and liability insurance is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $2,792 or more. Teen drivers pay the most at $4,802 a year or more.
Average premium for full coverage: $1,288
Premium estimates by type of coverage:
Prices include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different ES 350 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lexus ES 350 go from as low as $434 for your basic liability-only policy to a much higher rate of $2,792 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than relying on price averages.
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.
More Rate Information
The chart below details estimated Lexus ES 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $737
- Choosing higher $1,000 deductibles can save around $174 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,288
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $336 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,792 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,802 each year
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.
An older driver with a clean driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus ES 350 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,740 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can save as much as $510 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 more per 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 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, so the prices will be substantially different from one company to the next.
| 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 Find the Right Lexus ES 350 Insurance
Finding better rates on Lexus ES 350 insurance takes having a good driving record, maintaining good credit, being claim-free, and bundling your home and auto policies. Make time to compare rates every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a quick rundown of the information touched on in this article.
- You may be able to save as much as $160 per year simply by shopping early and online
- Drivers age 20 and younger pay the highest prices, possibly costing $400 per month for full coverage
- Increasing policy deductibles can save around $500 each year
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,500 more each year to buy Lexus ES 350 insurance
- Drivers who require increased levels of liability coverage will pay about $430 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,468 |
| $500 | $1,288 |
| $1,000 | $1,114 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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