Lexus ES 350 Insurance Rates

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Lower Your 2016 Lexus ES 350 Insurance Rates in 2025

Searching for better auto insurance rates for your Lexus ES 350? Scraping up a payment for high-priced Lexus ES 350 insurance can take a big chunk out of your savings and put the squeeze on your family's finances. Comparing rates annually can lower your rates and help to cut your insurance bill. Due to the abundance of choices of insurance companies, it can be impossible to choose the most afford...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 22, 2024

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The average auto insurance rates for a Lexus ES 350 are $1,288 annually with full coverage. Comprehensive insurance costs approximately $270 a year, collision insurance costs $494, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs $2,792 or more. Teenage drivers cost the most to insure at up to $4,802 a year.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Comprehensive $270
Collision $494
Liability $388

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and ES 350 trim levels.

Price Range Variability

For a 40-year-old driver, Lexus ES 350 insurance rates range from as cheap as $434 for minimum levels of liability insurance to a high of $2,792 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

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

The examples above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using average rates.

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 Details

The chart below details average Lexus ES 350 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $737
  • Choosing higher $1,000 deductibles can save $1,114 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,288
  • Using low $100 deductibles for comp and collision coverage costs an additional $336 every year
  • Unlucky drivers who are prone to accidents and violations could pay around $2,792
  • Policy cost with full coverage for a teen driver can cost $4,802 each year

View Chart as Image

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

Auto insurance rates for a Lexus ES 350 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 may be forking out anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $510 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus ES 350 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,740 on average in New York, Michigan, 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
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 Buy More Affordable Lexus ES 350 Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the data that was illustrated above.

  • You may be able to save around $160 per year just by quoting early and online
  • Policyholders who purchase an increased level of liability coverage will pay an extra $430 every year to raise limits from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 have the highest car insurance rates, as much as $400 each month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,500 more per year than a safer driver

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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