Lexus ES 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 22, 2024
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U.S. average insurance rates for a Lexus ES 350 are $1,288 a year with full coverage. Comprehensive insurance costs around $270 each year, collision costs $494, and liability coverage is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing $2,792 or more. 16-year-old drivers pay the highest rates at $4,802 a year or more.
Average premium for full coverage: $1,288
Price estimates for individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and ES 350 models.
Price Range from Low to High
For the normal driver, Lexus ES 350 insurance prices go from as low as $434 for just the minimum liability insurance to a high rate of $2,792 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities.
The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why all drivers should get quotes for a specific zip code and risk profile, rather than using 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 Analysis
The chart below details estimated Lexus ES 350 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $737
- Choosing higher $1,000 deductibles can save about $174 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,288
- Buying low deductibles for comp and collision coverage will cost an extra $336 each year
- Drivers with multiple tickets or accidents could pay at least $2,792 or more
- The price for full coverage for a teenage driver can be $4,802 each year
Insurance prices for a Lexus ES 350 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
The state you live in 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 at least $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% |
Opting for high physical damage deductibles can save as much as $510 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and prices may be quite 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 Cheapest Lexus ES 350 Insurance
Getting lower rates on auto insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a recap of the car insurance concepts presented in the illustrations above.
- Drivers that have major violations or accidents pay an average of $1,500 more every year than a driver with a clean driving record
- You may be able to save up to $160 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $500 each year
- Consumers who may need additional liability coverage will pay around $430 every year to raise limits from a low limit 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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