Lexus ES 350 Insurance Rates

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UPDATED: May 22, 2024

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Average insurance rates for a Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive costs around $270 each year, collision costs $494, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $2,792. 16-year-old drivers receive the highest rates at $4,802 a year or more.

Average premium for full coverage: $1,288

Rate estimates for individual coverage type:

Comprehensive $270
Collision $494
Liability $388

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and ES 350 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $434 for the bare minimum liability coverage to a high rate of $2,792 for a high-risk driver policy.

Liability Only $434
Full Coverage $1,288
High Risk $2,792

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

These examples illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on rate 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.

Additional Rate Information

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

  • The best full coverage rate is $737
  • Drivers who choose higher $1,000 deductibles will pay about $174 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,288
  • Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,624
  • Drivers with multiple tickets or accidents could pay at least $2,792 or more
  • The cost for full coverage for a 16-year-old driver can be $4,802 a year

View Chart as Image

Lexus ES 350 insurance cost comparison chart
Column chart showing full coverage Lexus ES 350 insurance rates range from $737 to $4,802

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

Where you live makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,740 on average in Michigan, New York, and Florida.

Lexus ES 350 Insurance Rates by State
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%

View Chart as Image

Lexus ES 350 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $510 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Lexus ES 350 Insurance Rates by Model Year
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 Cheapest Lexus ES 350 Insurance

Saving money on insurance for a Lexus ES 350 not only requires having a decent driving record, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by quoting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a recap of the information touched on in this article.

  • It is possible to save up to $160 per year simply by quoting online in advance
  • 16 to 18-year-old drivers pay higher rates, costing up to $400 per month for full coverage
  • Increasing deductibles can save around $500 each year
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,500 more every year than a driver with a clean driving record
  • Insureds who may need additional liability coverage will pay around $430 annually to go from a minimum limit to 250/500 limits

Rates by Driver Age

Lexus ES 350 Insurance 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

Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,624
$250 $1,468
$500 $1,288
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
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

Lexus ES 350 Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $737

Discounts are estimated and may not be available from every company or in every state.

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