Lexus ES 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Lexus ES 350 are $1,326 a year including full coverage. Comprehensive costs an estimated $282, collision insurance costs $524, and liability insurance is estimated at $384. Liability-only insurance costs approximately $432 a year, and high-risk driver insurance costs around $2,876. Teenage drivers pay the most at up to $4,920 a year.
Average premium for full coverage: $1,326
Premium estimates broken down by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all ES 350 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Lexus ES 350 range from as low as $432 for just liability insurance to the much higher price of $2,876 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences highlight why everyone should get quotes for a targeted area and risk profile, rather than relying on 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.
More Rate Details
The chart below breaks down average Lexus ES 350 insurance rates for other coverage scenarios.
- The best discount rate is $754
- Choosing higher $1,000 deductibles can save approximately $184 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,326
- Using pricier low deductibles for comp and collision coverage will increase the cost to $1,682
- High-risk insureds who are prone to accidents and violations could pay up to $2,876
- An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,920 each year
Insurance prices for a Lexus ES 350 also have a wide range based on your driving characteristics, the model of your ES 350, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus ES 350 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $540 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,200 additional annually, depending on your age. Lexus ES 350 insurance for high-risk drivers ranges anywhere from 45% to 135% more than a normal policy. View High Risk Driver Rates
| 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 Find the Best Lexus ES 350 Insurance
Finding better rates on Lexus ES 350 insurance takes being a good driver, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the data covered above.
- Drivers who want an increased level of liability coverage will pay an extra $420 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
- You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $550 each year
- Drivers age 16 to 20 are expensive to insure, with the cost nearing $410 per month including comprehensive and collision insurance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
