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...
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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. Comprehensive costs on average $270 a year, collision costs $494, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing around $2,792. Teen drivers receive the highest rates at $4,802 a year or more.
Average premium for full coverage: $1,288
Rate estimates by individual coverage type:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and ES 350 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $434 for just liability insurance to a high of $2,792 for a high-risk insurance policy.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, instead of using 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 Details
The chart below shows estimated Lexus ES 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $737
- Drivers who choose higher $1,000 deductibles will pay around $1,114 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,288
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,624
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,792 or more
- The cost for full coverage for a teen driver may cost $4,802 a year
Car insurance rates for a Lexus ES 350 can also vary considerably based on your driver profile, the trim level of your ES 350, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $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 $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,830 on average in Michigan, Louisiana, 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 could save up to $510 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly 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
Saving money on car insurance not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The following items are a quick rundown of the car insurance concepts covered above.
- Higher risk drivers with reckless driving or DUI convictions will pay on average $1,500 more each year than a driver with a clean driving record
- Drivers can save as much as $160 per year simply by quoting early and online
- Increasing deductibles can save around $500 each year
- Policyholders who require additional liability coverage will pay about $430 each year to go from a minimum 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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