Lexus ES 350 Insurance Rates

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

Average premium for full coverage: $1,226

Price estimates by individual coverage:

Includes $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and ES 350 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates average Lexus ES 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $707
• Raising to $1,000 deductibles will save around $1,068 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,226
• Using low $100 deductibles will cost an extra $310 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,654
• The price for full coverage for a 16-year-old driver may cost $4,606

View Chart as Image

Auto insurance prices for a Lexus ES 350 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Lexus ES 350 insurance prices. A middle-age driver might find prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $470 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Lexus ES 350 Insurance

Getting lower rates on insurance for a Lexus ES 350 consists of having a good driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a recap of the data that was touched on in this article.

• It is possible to save as much as $150 per year just by quoting early and online
• Insureds who require increased levels of liability coverage will pay an extra $430 annually to raise from a low limit to 250/500 limits
• Drivers age 20 and younger are charged the highest prices, as much as $384 a month if they have full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,430 more each year to buy Lexus ES 350 insurance