Lexus ES 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 22, 2024
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Average insurance prices for a Lexus ES 350 are $1,226 every 12 months for full coverage insurance. Comprehensive costs around $258 each year, collision costs $442, and liability costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing around $2,654. Teen drivers receive the highest rates at $4,606 a year or more.
Average premium for full coverage: $1,226
Rate estimates for individual coverage type:
Includes $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and ES 350 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $438 for basic liability insurance to a high rate of $2,654 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on price averages.
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.
Rate Comparisons
The chart below illustrates estimated Lexus ES 350 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $707
- Drivers who choose higher $1,000 deductibles will pay about $158 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,226
- Choosing low deductibles for comprehensive and collision insurance increases the price to $1,536
- Drivers with multiple violations and an at-fault accident could pay at least $2,654 or more
- The cost to insure a 16-year-old driver can be $4,606 a year
Auto insurance rates for a Lexus ES 350 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing high deductibles could save up to $470 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than average. View High Risk Driver Rates
Where you live makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,660 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,110 | -$116 | -9.5% |
| Alaska | $942 | -$284 | -23.2% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,398 | $172 | 14.0% |
| Colorado | $1,170 | -$56 | -4.6% |
| Connecticut | $1,260 | $34 | 2.8% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,534 | $308 | 25.1% |
| Georgia | $1,134 | -$92 | -7.5% |
| Hawaii | $882 | -$344 | -28.1% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $914 | -$312 | -25.4% |
| Indiana | $926 | -$300 | -24.5% |
| Iowa | $826 | -$400 | -32.6% |
| Kansas | $1,166 | -$60 | -4.9% |
| Kentucky | $1,674 | $448 | 36.5% |
| Louisiana | $1,816 | $590 | 48.1% |
| Maine | $760 | -$466 | -38.0% |
| Maryland | $1,014 | -$212 | -17.3% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,130 | $904 | 73.7% |
| Minnesota | $1,028 | -$198 | -16.2% |
| Mississippi | $1,470 | $244 | 19.9% |
| Missouri | $1,090 | -$136 | -11.1% |
| Montana | $1,318 | $92 | 7.5% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,470 | $244 | 19.9% |
| New Hampshire | $884 | -$342 | -27.9% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,086 | -$140 | -11.4% |
| New York | $1,292 | $66 | 5.4% |
| North Carolina | $706 | -$520 | -42.4% |
| North Dakota | $1,006 | -$220 | -17.9% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,260 | $34 | 2.8% |
| Oregon | $1,124 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$58 | -4.7% |
| Rhode Island | $1,636 | $410 | 33.4% |
| South Carolina | $1,112 | -$114 | -9.3% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,074 | -$152 | -12.4% |
| Texas | $1,480 | $254 | 20.7% |
| Utah | $910 | -$316 | -25.8% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $736 | -$490 | -40.0% |
| Washington | $948 | -$278 | -22.7% |
| West Virginia | $1,126 | -$100 | -8.2% |
| Wisconsin | $846 | -$380 | -31.0% |
| Wyoming | $1,092 | -$134 | -10.9% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2023 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2022 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2021 Lexus ES 350 | $292 | $564 | $376 | $1,368 |
| 2020 Lexus ES 350 | $282 | $524 | $384 | $1,326 |
| 2018 Lexus ES 350 | $258 | $442 | $390 | $1,226 |
| 2016 Lexus ES 350 | $234 | $382 | $394 | $1,146 |
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 Shop for the Cheapest Lexus ES 350 Insurance
Saving money on insurance for a Lexus ES 350 not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the data covered above.
- Insureds who may need higher levels of liability will pay about $430 annually to go from a minimum limit to a 250/500 level
- It is possible to save up to $150 per year simply by quoting online in advance
- Increasing deductibles could save as much as $475 each year
- Teenage drivers are expensive to insure, costing up to $384 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,606 |
| 20 | $2,824 |
| 30 | $1,278 |
| 40 | $1,226 |
| 50 | $1,122 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,392 |
| $500 | $1,226 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,304 |
| 100/300 | $1,402 |
| 250/500 | $1,655 |
| 100 CSL | $1,343 |
| 300 CSL | $1,558 |
| 500 CSL | $1,714 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,568 |
| 20 | $4,496 |
| 30 | $2,710 |
| 40 | $2,654 |
| 50 | $2,534 |
| 60 | $2,510 |
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 | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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