Lexus ES 350 Insurance Rates
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UPDATED: May 22, 2024
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The average insurance rates for a Lexus ES 350 are $1,326 a year for full coverage insurance. Comprehensive costs on average $282 each year, collision costs $524, and liability costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing around $2,876. Teen drivers cost the most to insure at $4,920 a year or more.
Average premium for full coverage: $1,326
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and ES 350 models.
Price Range Variability
For a 40-year-old driver, Lexus ES 350 insurance rates go from the low end price of $432 for basic liability insurance to a high rate of $2,876 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates how your location can change car insurance rates.
The examples above illustrate why all drivers should compare rates based on a specific location, 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 different risk profiles and scenarios.
- The lowest rate with discounts is $754
- Drivers who choose higher $1,000 deductibles will pay around $184 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,326
- Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,682
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,876 or more
- Policy cost that insures a 16-year-old driver may cost $4,920 a year
Car insurance rates for a Lexus ES 350 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 135% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age
Your home state makes a big difference in Lexus ES 350 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,790 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could save up to $540 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied.
| 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 Affordable Lexus ES 350 Insurance
Finding cheaper rates on insurance for a Lexus ES 350 not only requires having a decent driving record, but also having a positive credit history, being claim-free, and maximizing policy discounts. Shop around every time your policy renews by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a brief review of the information illustrated above.
- It is possible to save as much as $160 per year simply by quoting online in advance
- 16 to 18-year-old drivers are expensive to insure, possibly costing $410 each month if full coverage is purchased
- Increasing comprehensive and collision deductibles can save approximately $550 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,550 more each year than a driver with a clean driving record
- Insureds who require additional liability coverage will pay about $420 annually to go from a 30/60 limit to the 250/500 level
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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