Lexus ES 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Lexus ES 350 are $1,288 annually for full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $494, and liability costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing $2,792 or more. Teens cost the most to insure at $4,802 a year or more.
Average premium for full coverage: $1,288
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and ES 350 trim levels.
Price Range Variability
For a 40-year-old driver, Lexus ES 350 insurance rates go from as cheap as $434 for liability-only coverage to a high of $2,792 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
The examples above show why it is important to compare prices using their specific location and their own personal driving habits, instead of using averaged prices.
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 estimated Lexus ES 350 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $737
- Using higher $1,000 deductibles will save $1,114 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,288
- Selecting low $100 deductibles for physical damage coverage costs an additional $336 every year
- Drivers with serious driving violations could pay around $2,792 or more
- Policy cost with full coverage for a teen driver can cost $4,802 or more
Car insurance rates for a Lexus ES 350 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Lexus ES 350 insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$126 | -9.8% |
| Alaska | $984 | -$304 | -23.6% |
| Arizona | $1,068 | -$220 | -17.1% |
| Arkansas | $1,288 | -$0 | 0.0% |
| California | $1,466 | $178 | 13.8% |
| Colorado | $1,228 | -$60 | -4.7% |
| Connecticut | $1,322 | $34 | 2.6% |
| Delaware | $1,454 | $166 | 12.9% |
| Florida | $1,606 | $318 | 24.7% |
| Georgia | $1,190 | -$98 | -7.6% |
| Hawaii | $924 | -$364 | -28.3% |
| Idaho | $870 | -$418 | -32.5% |
| Illinois | $958 | -$330 | -25.6% |
| Indiana | $970 | -$318 | -24.7% |
| Iowa | $868 | -$420 | -32.6% |
| Kansas | $1,220 | -$68 | -5.3% |
| Kentucky | $1,754 | $466 | 36.2% |
| Louisiana | $1,904 | $616 | 47.8% |
| Maine | $792 | -$496 | -38.5% |
| Maryland | $1,062 | -$226 | -17.5% |
| Massachusetts | $1,026 | -$262 | -20.3% |
| Michigan | $2,232 | $944 | 73.3% |
| Minnesota | $1,078 | -$210 | -16.3% |
| Mississippi | $1,542 | $254 | 19.7% |
| Missouri | $1,142 | -$146 | -11.3% |
| Montana | $1,380 | $92 | 7.1% |
| Nebraska | $1,012 | -$276 | -21.4% |
| Nevada | $1,542 | $254 | 19.7% |
| New Hampshire | $928 | -$360 | -28.0% |
| New Jersey | $1,438 | $150 | 11.6% |
| New Mexico | $1,138 | -$150 | -11.6% |
| New York | $1,354 | $66 | 5.1% |
| North Carolina | $740 | -$548 | -42.5% |
| North Dakota | $1,052 | -$236 | -18.3% |
| Ohio | $886 | -$402 | -31.2% |
| Oklahoma | $1,318 | $30 | 2.3% |
| Oregon | $1,178 | -$110 | -8.5% |
| Pennsylvania | $1,226 | -$62 | -4.8% |
| Rhode Island | $1,714 | $426 | 33.1% |
| South Carolina | $1,164 | -$124 | -9.6% |
| South Dakota | $1,084 | -$204 | -15.8% |
| Tennessee | $1,124 | -$164 | -12.7% |
| Texas | $1,550 | $262 | 20.3% |
| Utah | $952 | -$336 | -26.1% |
| Vermont | $878 | -$410 | -31.8% |
| Virginia | $770 | -$518 | -40.2% |
| Washington | $990 | -$298 | -23.1% |
| West Virginia | $1,180 | -$108 | -8.4% |
| Wisconsin | $888 | -$400 | -31.1% |
| Wyoming | $1,144 | -$144 | -11.2% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus ES 350 | $346 | $630 | $332 | $1,444 |
| 2023 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2022 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2021 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2020 Lexus ES 350 | $292 | $564 | $376 | $1,368 |
| 2018 Lexus ES 350 | $270 | $494 | $388 | $1,288 |
| 2016 Lexus ES 350 | $242 | $408 | $390 | $1,176 |
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 Buy the Best Cheap Lexus ES 350 Insurance
Finding cheaper rates on car insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a quick review of the primary concepts that were illustrated above.
- Drivers can save around $160 per year simply by quoting early and online
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,500 more per year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $500 each year
- Youthful drivers pay the highest auto insurance rates, costing up to $400 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,802 |
| 20 | $2,970 |
| 30 | $1,340 |
| 40 | $1,288 |
| 50 | $1,176 |
| 60 | $1,156 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,468 |
| $500 | $1,288 |
| $1,000 | $1,114 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,288 |
| 50/100 | $1,366 |
| 100/300 | $1,463 |
| 250/500 | $1,715 |
| 100 CSL | $1,404 |
| 300 CSL | $1,618 |
| 500 CSL | $1,773 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,862 |
| 20 | $4,732 |
| 30 | $2,850 |
| 40 | $2,792 |
| 50 | $2,660 |
| 60 | $2,638 |
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 | $69 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
