Lexus ES 350 Insurance Rates

U.S. average insurance rates for a Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive insurance costs an estimated $270 each year, collision insurance costs $494, and liability insurance is $388. A policy with just liability insurance costs around $434 a year, and coverage for high-risk drivers costs $2,792 or more. Teens pay the highest rates at up to $4,802 a year.

Average premium for full coverage: $1,288

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and ES 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

The ranges above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

More Rate Information

The chart below illustrates average Lexus ES 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $737
• Raising to $1,000 deductibles will save approximately $174 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,288
• Selecting low deductibles will cost an extra $336 a year
• Higher-risk drivers with serious driving violations could pay up to $2,792
• The price for full coverage for a teen driver can cost as much as $4,802

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,800 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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find Cheaper Lexus ES 350 Insurance

Getting lower rates on Lexus ES 350 insurance consists of being safe and accident-free, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a condensed summary of the coverage data presented in the illustrations above.

• It is possible to save approximately $160 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $500 each year
• Youthful drivers are charged the highest prices, as much as $400 a month for full coverage
• High-risk drivers with multiple at-fault accidents pay on average $1,500 more annually than a low-risk driver