Lexus ES 350 Insurance Rates
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Dani Best
Licensed Insurance Producer
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...
Licensed Insurance Producer
UPDATED: May 22, 2024
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Estimated insurance rates for a Lexus ES 350 are $1,288 a year with full coverage. Comprehensive costs on average $270, collision costs $494, and liability coverage costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing around $2,792. Teens pay the most at $4,802 a year or more.
Average premium for full coverage: $1,288
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different ES 350 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus ES 350 go from as low as $434 for your basic liability-only policy to a much higher rate of $2,792 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using averaged prices.
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 Information
The chart below details estimated Lexus ES 350 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $737
- Using higher $1,000 deductibles will save around $174 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,288
- Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,624
- Higher-risk drivers with serious driving violations could pay upwards of $2,792 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage may cost $4,802 or more
Auto insurance prices for a Lexus ES 350 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus ES 350 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 130% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially 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 Low Cost Lexus ES 350 Insurance
Finding better rates on auto insurance requires having a good driving record, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a review of the data covered in the charts and tables above.
- Consumers who require increased levels of liability coverage will pay approximately $430 every year to increase from 30/60 bodily injury limits to 250/500 limits
- You may be able to save as much as $160 per year simply by shopping early and online
- Increasing policy deductibles can save around $500 each year
- Drivers age 20 and younger are charged the highest prices, possibly costing $400 per month if they have full coverage
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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