Lexus ES 350 Insurance Rates
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UPDATED: May 22, 2024
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U.S. average insurance rates for a Lexus ES 350 are $1,326 a year with full coverage. Comprehensive costs around $282 each year, collision costs $524, and liability is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing around $2,876. Teenage drivers pay the highest rates at $4,920 a year or more.
Average premium for full coverage: $1,326
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and ES 350 models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus ES 350 insurance prices go from as low as $432 for the bare minimum liability coverage to a high rate of $2,876 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using average rates.
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.
Additional Rate Information
The chart below details estimated Lexus ES 350 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $754
- Raising to $1,000 deductibles will save about $184 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,326
- Using low deductibles will increase the cost to $1,682
- At-risk drivers who are prone to accidents and violations could pay at least $2,876 or more
- The price for full coverage for a teen driver can be $4,920
Insurance prices for a Lexus ES 350 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may 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 should be prepared to pay as much as $4,900 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 $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,790 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$130 | -9.8% |
| Alaska | $1,016 | -$310 | -23.4% |
| Arizona | $1,098 | -$228 | -17.2% |
| Arkansas | $1,326 | -$0 | 0.0% |
| California | $1,510 | $184 | 13.9% |
| Colorado | $1,262 | -$64 | -4.8% |
| Connecticut | $1,358 | $32 | 2.4% |
| Delaware | $1,496 | $170 | 12.8% |
| Florida | $1,654 | $328 | 24.7% |
| Georgia | $1,224 | -$102 | -7.7% |
| Hawaii | $952 | -$374 | -28.2% |
| Idaho | $896 | -$430 | -32.4% |
| Illinois | $986 | -$340 | -25.6% |
| Indiana | $1,000 | -$326 | -24.6% |
| Iowa | $894 | -$432 | -32.6% |
| Kansas | $1,256 | -$70 | -5.3% |
| Kentucky | $1,806 | $480 | 36.2% |
| Louisiana | $1,960 | $634 | 47.8% |
| Maine | $818 | -$508 | -38.3% |
| Maryland | $1,092 | -$234 | -17.6% |
| Massachusetts | $1,054 | -$272 | -20.5% |
| Michigan | $2,298 | $972 | 73.3% |
| Minnesota | $1,110 | -$216 | -16.3% |
| Mississippi | $1,586 | $260 | 19.6% |
| Missouri | $1,176 | -$150 | -11.3% |
| Montana | $1,422 | $96 | 7.2% |
| Nebraska | $1,042 | -$284 | -21.4% |
| Nevada | $1,588 | $262 | 19.8% |
| New Hampshire | $954 | -$372 | -28.1% |
| New Jersey | $1,480 | $154 | 11.6% |
| New Mexico | $1,172 | -$154 | -11.6% |
| New York | $1,394 | $68 | 5.1% |
| North Carolina | $762 | -$564 | -42.5% |
| North Dakota | $1,084 | -$242 | -18.3% |
| Ohio | $912 | -$414 | -31.2% |
| Oklahoma | $1,358 | $32 | 2.4% |
| Oregon | $1,214 | -$112 | -8.4% |
| Pennsylvania | $1,262 | -$64 | -4.8% |
| Rhode Island | $1,764 | $438 | 33.0% |
| South Carolina | $1,200 | -$126 | -9.5% |
| South Dakota | $1,118 | -$208 | -15.7% |
| Tennessee | $1,158 | -$168 | -12.7% |
| Texas | $1,596 | $270 | 20.4% |
| Utah | $980 | -$346 | -26.1% |
| Vermont | $904 | -$422 | -31.8% |
| Virginia | $792 | -$534 | -40.3% |
| Washington | $1,022 | -$304 | -22.9% |
| West Virginia | $1,214 | -$112 | -8.4% |
| Wisconsin | $914 | -$412 | -31.1% |
| Wyoming | $1,178 | -$148 | -11.2% |
Using high physical damage deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 135% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| 2023 Lexus ES 350 | $346 | $630 | $332 | $1,444 |
| 2022 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2021 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2020 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2018 Lexus ES 350 | $282 | $524 | $384 | $1,326 |
| 2016 Lexus ES 350 | $258 | $442 | $390 | $1,226 |
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 More Affordable Lexus ES 350 Insurance
Getting lower rates on car insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The points below are a summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save up to $160 per year simply by quoting online in advance
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,550 more every year to insure a Lexus ES 350
- Increasing physical damage deductibles can save around $550 each year
- Drivers under the age of 20 are charged the highest prices, costing up to $410 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,920 |
| 20 | $3,062 |
| 30 | $1,382 |
| 40 | $1,326 |
| 50 | $1,210 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,516 |
| $500 | $1,326 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,326 |
| 50/100 | $1,403 |
| 100/300 | $1,499 |
| 250/500 | $1,748 |
| 100 CSL | $1,441 |
| 300 CSL | $1,652 |
| 500 CSL | $1,806 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,040 |
| 20 | $4,878 |
| 30 | $2,940 |
| 40 | $2,876 |
| 50 | $2,742 |
| 60 | $2,718 |
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 | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $95 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
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