Lexus ES 350 Insurance Rates
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UPDATED: May 22, 2024
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Estimated auto insurance rates for a Lexus ES 350 are $1,326 annually with full coverage. Comprehensive insurance costs around $282, collision insurance costs $524, and liability insurance is $384. A policy with only liability insurance costs around $432 a year, and a high-risk policy costs $2,876 or more. Teen drivers pay the most at up to $4,920 a year.
Average premium for full coverage: $1,326
Premium estimates for type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all ES 350 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lexus ES 350 range from as cheap as $432 for your basic liability-only policy to the much higher price of $2,876 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, 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 average Lexus ES 350 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $754
- Raising to $1,000 deductibles will save about $184 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,326
- Choosing pricier low deductibles costs an additional $356 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,876
- An auto insurance policy with full coverage for a teen driver for full coverage can be $4,920
Car insurance prices for a Lexus ES 350 also have a wide range based on the model of your ES 350, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra annually, depending on your age. Lexus ES 350 insurance for high-risk drivers is expensive and can cost anywhere from 45% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Lexus ES 350 insurance rates. A middle-age driver might find prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,790 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$130 | -9.8% |
| Alaska | $1,016 | -$310 | -23.4% |
| Arizona | $1,098 | -$228 | -17.2% |
| Arkansas | $1,326 | -$0 | 0.0% |
| California | $1,510 | $184 | 13.9% |
| Colorado | $1,262 | -$64 | -4.8% |
| Connecticut | $1,358 | $32 | 2.4% |
| Delaware | $1,496 | $170 | 12.8% |
| Florida | $1,654 | $328 | 24.7% |
| Georgia | $1,224 | -$102 | -7.7% |
| Hawaii | $952 | -$374 | -28.2% |
| Idaho | $896 | -$430 | -32.4% |
| Illinois | $986 | -$340 | -25.6% |
| Indiana | $1,000 | -$326 | -24.6% |
| Iowa | $894 | -$432 | -32.6% |
| Kansas | $1,256 | -$70 | -5.3% |
| Kentucky | $1,806 | $480 | 36.2% |
| Louisiana | $1,960 | $634 | 47.8% |
| Maine | $818 | -$508 | -38.3% |
| Maryland | $1,092 | -$234 | -17.6% |
| Massachusetts | $1,054 | -$272 | -20.5% |
| Michigan | $2,298 | $972 | 73.3% |
| Minnesota | $1,110 | -$216 | -16.3% |
| Mississippi | $1,586 | $260 | 19.6% |
| Missouri | $1,176 | -$150 | -11.3% |
| Montana | $1,422 | $96 | 7.2% |
| Nebraska | $1,042 | -$284 | -21.4% |
| Nevada | $1,588 | $262 | 19.8% |
| New Hampshire | $954 | -$372 | -28.1% |
| New Jersey | $1,480 | $154 | 11.6% |
| New Mexico | $1,172 | -$154 | -11.6% |
| New York | $1,394 | $68 | 5.1% |
| North Carolina | $762 | -$564 | -42.5% |
| North Dakota | $1,084 | -$242 | -18.3% |
| Ohio | $912 | -$414 | -31.2% |
| Oklahoma | $1,358 | $32 | 2.4% |
| Oregon | $1,214 | -$112 | -8.4% |
| Pennsylvania | $1,262 | -$64 | -4.8% |
| Rhode Island | $1,764 | $438 | 33.0% |
| South Carolina | $1,200 | -$126 | -9.5% |
| South Dakota | $1,118 | -$208 | -15.7% |
| Tennessee | $1,158 | -$168 | -12.7% |
| Texas | $1,596 | $270 | 20.4% |
| Utah | $980 | -$346 | -26.1% |
| Vermont | $904 | -$422 | -31.8% |
| Virginia | $792 | -$534 | -40.3% |
| Washington | $1,022 | -$304 | -22.9% |
| West Virginia | $1,214 | -$112 | -8.4% |
| Wisconsin | $914 | -$412 | -31.1% |
| Wyoming | $1,178 | -$148 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| 2023 Lexus ES 350 | $346 | $630 | $332 | $1,444 |
| 2022 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2021 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2020 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2018 Lexus ES 350 | $282 | $524 | $384 | $1,326 |
| 2016 Lexus ES 350 | $258 | $442 | $390 | $1,226 |
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 Buy the Best Cheap Lexus ES 350 Insurance
Finding better rates on Lexus ES 350 insurance consists of being a low-risk driver, having a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct companies, and also from local exclusive and independent agents.
The items below are a quick review of the concepts that were touched on in this article.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,550 more every year to insure their ES 350
- Teen drivers are the costliest to insure, possibly costing $410 per month if comprehensive and collision insurance is included
- You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $550 each year
- You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,920 |
| 20 | $3,062 |
| 30 | $1,382 |
| 40 | $1,326 |
| 50 | $1,210 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,516 |
| $500 | $1,326 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,326 |
| 50/100 | $1,403 |
| 100/300 | $1,499 |
| 250/500 | $1,748 |
| 100 CSL | $1,441 |
| 300 CSL | $1,652 |
| 500 CSL | $1,806 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,040 |
| 20 | $4,878 |
| 30 | $2,940 |
| 40 | $2,876 |
| 50 | $2,742 |
| 60 | $2,718 |
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 | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $95 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
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