Lexus ES 350 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Estimated insurance rates for a Lexus ES 350 are $1,326 a year for full coverage. Comprehensive insurance costs on average $282, collision insurance costs $524, and liability coverage costs around $384. Liability-only coverage costs as low as $432 a year, and high-risk coverage costs $2,876 or more. Teen drivers pay the most at up to $4,920 a year.

Average premium for full coverage: $1,326

Premium estimates by type of coverage:

Comprehensive $282
Collision $524
Liability $384

Prices include $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different ES 350 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Lexus ES 350 range from the low end price of $432 for liability-only coverage to a much higher rate of $2,876 for a policy for a high-risk driver.

Liability Only $432
Full Coverage $1,326
High Risk $2,876

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $995
Small Cities $1,392
Large Cities $1,790

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location, rather than using 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $754
  • Using higher $1,000 deductibles will save around $184 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,326
  • Choosing more expensive low deductibles for physical damage coverage will cost an additional $356 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,876
  • An auto insurance policy that insures a teenage driver with full coverage may cost $4,920 or more

View Chart as Image

Lexus ES 350 insurance cost comparison chart
Column chart showing Lexus ES 350 insurance prices range from $754 to $4,920 for full coverage

Insurance prices for a Lexus ES 350 also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be around 45% to 135% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus ES 350 insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and New York.

Lexus ES 350 Insurance Rates by State
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%

View Chart as Image

Lexus ES 350 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $540 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

Lexus ES 350 Insurance Rates by Model Year
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 the Right Lexus ES 350 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and determing if full coverage is necessary. Shop around every year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following is a quick rundown of the coverage data raised in the charts and tables above.

  • Drivers can save as much as $160 per year just by shopping early and online
  • Increasing policy deductibles can save approximately $550 each year
  • Teens pay the highest prices, as much as $410 per month if full coverage is included
  • Drivers with reckless driving or DUI convictions may pay on average $1,550 more each year for ES 350 insurance

Rates by Driver Age

Lexus ES 350 Insurance 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

Lexus ES 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,682
$250 $1,516
$500 $1,326
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 350 Insurance Rates with Different Liability Limits
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

Lexus ES 350 Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $754

Discounts are estimated and may not be available from every company or in every state.

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