Lexus ES 350 Insurance Rates

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

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and ES 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

These rate differences show why it is important to get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $707
• Choosing higher $1,000 deductibles can save around $1,068 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,226
• Using low $100 deductibles for comp and collision coverage will cost an extra $310 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,654
• An auto insurance policy for full coverage for a teen driver may cost $4,606 each year

View Chart as Image

Insurance prices for a Lexus ES 350 also have a wide range based on your driving characteristics, the trim level of your ES 350, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,600 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 $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $470 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus ES 350 Insurance

Finding better rates on Lexus ES 350 insurance takes avoiding accidents and violations, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates at least once a year by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a quick review of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $150 per year just by quoting early and online
• High-risk drivers with a DUI or reckless driving violation will pay on average $1,430 more each year for car insurance
• Increasing policy deductibles can save around $475 each year
• Teenagers pay the highest prices, as much as $384 per month for full coverage