Lexus ES 350 Insurance Rates

U.S. average insurance rates for a Lexus ES 350 are $1,226 a year with full coverage. Comprehensive insurance costs around $258 each year, collision insurance costs $442, and liability coverage is $390. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $2,654 or more. Teens pay the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,226

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and ES 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

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

• The cheapest rate after discounts is $707
• Raising to $1,000 deductibles will save about $158 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,226
• Selecting low deductibles will cost an extra $310 each year
• Unlucky drivers with serious driving violations could pay at least $2,654
• The price for full coverage for a teenage driver can be $4,606

View Chart as Image

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 a clean driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

The state you live in also has a big influence on Lexus ES 350 insurance rates. A middle-age driver might find prices as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $470 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 $351 more per 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 $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

How to Find Affordable Lexus ES 350 Insurance

Getting lower rates on auto insurance consists of being a good driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates every year by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a brief review of the coverage data touched on in this article.

• You may be able to save up to $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $475 each year
• Drivers age 16 to 20 pay higher prices, costing up to $384 a month for full coverage
• Drivers with DUI or reckless driving convictions pay an average of $1,430 more every year than a safer driver