Compare Lexus ES 350 Car Insurance Rates [2024]
The average Lexus ES 350 auto insurance rates cost $1,470 a year, or around $123 a month. On average, Lexus ES 350 comprehensive insurance coverage costs $358, collision coverage costs $523, and liability coverage costs $415.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Feb 13, 2024
It’s all about you. We want to help you make the right coverage choices.
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Feb 13, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Full coverage costs around $1,470 a year or $123 each month
- A liability-only policy costs around $589 a year or $49 each month
- The highest rates are for teenage drivers at around $5,373 a year or $448 each month
- Good drivers can save as much as $606 a year by earning policy discounts
- Lexus ES 350 insurance costs around $49 less per year than the average vehicle
- Since this is a luxury car, you can expect your rates to be higher
- Certain safety features will help keep the cost of insuring your vehicle down
- You may see lower car insurance rates on the Lexus ES because the IIHS awarded it a “Good” rating in both frontal offset and side-impact tests.
One of the most popular lines of luxury cars, the Lexus ES sedans are perennial bestsellers in that market. Insurance prices take into account features of the car, but also the individual owners as well. So your price could vary widely depending on how many optional safety features you purchase and your personal driving statistics.
Searching for Lexus ES 350 insurance rates can often leave you with more questions than answers. That’s why we’ve prepared this comprehensive guide to aid you in your search to find quality Lexus ES 350 rates that you can depend upon.
You can start comparing car insurance for Lexus ES 350 from some of the best car insurance companies by using our free online tool.
What’s the Lexus ES 350 average insurance cost?
Wondering how much is a Lexus ES 350? The average Lexus ES 350 car insurance costs are $1,470 a year or $123 a month.
How much does the Lexus ES cost to insure?
The cost of ownership includes all the expenses, both obvious and hidden, of owning and operating a vehicle, excluding the purchase price. The hidden costs are depreciation and financing of the automobile loan. Add to these the insurance premiums, state fees, fuel, and maintenance and repair costs, to arrive at the yearly cost of ownership.
On a brand-new car, this cost is always higher the first year because of the larger amount of depreciation. The Lexus ES series has historically been a very reliable car with lower maintenance and repair costs than other similar vehicles. Thus, Automobile Magazine has rated it as an “Excellent Value” car in its report on the 350.
Obviously, these costs will vary by state and owner. The insurance costs alone can vary by hundreds of dollars a year from person to person and from one insurance company to the next.
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Are Lexus ES 350s expensive to insure?
The chart below details how Lexus ES 350 insurance rates compare to other luxury cars like the Audi A7, Lexus IS 300, and Cadillac CT6.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Audi A7 | $406 | $834 | $398 | $1,796 |
| Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| Cadillac CT6 | $382 | $774 | $398 | $1,712 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
Read more: Compare Mercedes Car Insurance Rates
What impacts the cost of Lexus ES 350 insurance?
What factors affect the cost of my insurance? The Lexus ES 350 trim and model you choose can impact the total price you will pay for Lexus ES 350 insurance coverage.
The type of car you own is not the only factor in determining the price you’ll pay for insurance premiums. Who you are and how you drive matter as well.
Your age, whether you are male or female, and your marital status are primary statistics used by insurance companies. Married people and women tend to pay lower premiums, as do people who have been driving for several years.
Is Lexus insurance expensive?
If you live in a high-crime area, especially high in car thefts, expect to pay more. Those in larger cities tend to pay more while drivers in rural areas pay less. Where the car is stored can be a factor. If you have a home with a garage, be sure to mention that for an extra discount. Believe it or not, your occupation will also influence insurance premiums.
People who drive as part of their jobs, like salespeople and delivery personnel, have a higher probability of being in a wreck simply because they are on the road more. Thus, they will pay more than someone who sits behind a desk all day. Those who put a lot of miles on a car every year also pay more.
Do you live in a flood area or an area often hit by hurricanes? You might think this would only affect your home owner’s insurance, but it can impact your car insurance as well. All of these factors are weighed by the insurance company when determining your premiums. Different companies might account for some of these differently, so it’s best to shop around.
Age Of the Vehicle
Older Lexus ES 350 models generally cost less to insure. For example, auto insurance for a 2020 Lexus ES 350 costs $1,470, while 2010 Lexus ES 350 insurance costs are $1,146, a difference of $324.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| 2019 Lexus ES 350 | $346 | $630 | $332 | $1,444 |
| 2018 Lexus ES 350 | $332 | $626 | $338 | $1,432 |
| 2017 Lexus ES 350 | $320 | $610 | $354 | $1,420 |
| 2016 Lexus ES 350 | $310 | $586 | $364 | $1,396 |
| 2015 Lexus ES 350 | $292 | $564 | $376 | $1,368 |
| 2014 Lexus ES 350 | $282 | $524 | $384 | $1,326 |
| 2013 Lexus ES 350 | $270 | $494 | $388 | $1,288 |
| 2012 Lexus ES 350 | $258 | $442 | $390 | $1,226 |
| 2011 Lexus ES 350 | $242 | $408 | $390 | $1,176 |
| 2010 Lexus ES 350 | $234 | $382 | $394 | $1,146 |
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Driver Age
Driver age can have a significant effect on Lexus ES 350 car insurance rates. As an example, a 30-year-old driver pays around $65 more each year for their Lexus ES 350 car insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Lexus ES 350 insurance rates. For example, drivers in New York may pay $383 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Lexus ES 350 car insurance. Teens and drivers in their 20’s see the highest jump in their Lexus ES 350 car insurance rates with violations on their driving record.
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Lexus ES 350 Safety Ratings
The Lexus ES 350’s safety ratings will affect your Lexus ES 350 car insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Lexus ES 350 Crash Test Ratings
Not only do good Lexus ES 350 crash test ratings mean you are better protected in a crash, but good Lexus ES 350 crash ratings also mean cheaper insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Lexus ES 350 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Lexus ES 350 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Lexus ES 350 Safety Features
The Lexus ES 350 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Lexus ES 350 auto insurance rates. The Lexus ES 350’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitoring
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Known for catering to drivers who want comfort, safety, and luxury, the Lexus sedans come standard with many advanced safety features, which include stability and traction control, and four disk anti-lock brakes. The air bag system employs front- and rear-side air bags, and front knee air bags, as well as side curtain air bags.
The Insurance Institute for Highway Safety awards the Lexus ES 350 a “Good” rating in both frontal offset and side-impact tests in its most recent report. While these come standard, other safety features do not.
The newest optional feature from Lexus is the Enform with Safety Connect system. Similar to Chevrolet’s OnStar system, Safety Connect includes three different features: automatic collision notification, a locator if the Lexus is stolen, and emergency roadside assistance.
Another optional feature is the adaptive cruise control. This feature will automatically slow the car if it senses you are following another vehicle too closely. The pre-collision system uses radar to warn you of a possible impact.
All of these features result in a very safe car, which usually leads to lower premiums on car insurance.
However, the Lexus is a luxury vehicle and, as such, uses high-end parts. The parts are more expensive to replace, offsetting the discounts the enhanced safety features would provide.
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Lexus ES 350 Insurance Loss Probability
Another contributing factor that affects Lexus ES 350 car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 26% |
|---|---|
| Property Damage | -21% |
| Comprehensive | 60% |
| Personal Injury | -9% |
| Medical Payment | 0% |
| Bodily Injury | -22% |
| Source: Insurance Institute for Highway Safety | |
What’s the Lexus ES 350 finance and insurance cost?
When financing a Lexus ES 350, most lenders will require you to carry higher Lexus ES 350 coverage options including comprehensive coverage, so be sure to shop around and compare Lexus ES 350 car insurance rates from the best companies using our FREE tool below.
How to Save on Lexus ES 350 Insurance
There are many ways that you can save on Lexus ES 350 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Lexus ES 350 car insurance rates low.
- Don’t Always Pick the Cheapest Lexus ES 350 Insurance Policy
- Move to an Area with Better Weather
- Drive Your Lexus ES 350 Safely
- Move to the Countryside
- Move to an Area with a Lower Cost of Living
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What are the top Lexus ES 350 insurance companies?
Who is the top auto insurance company for Lexus ES 350 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus ES 350 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus ES 350 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
How to Compare Free Lexus ES 350 Insurance Quotes Online
When looking for Lexus insurance, you might think you’ll be paying an enormous amount of money on insurance rates. As long as you shop around, maintain good credit, and have a clean driving record you can get lower rates. Other factors also contribute to these rates, such as the driver’s age, location, driver’s history, type of the vehicle and its mileage, etc. To reduce your Lexus insurance costs, limit your annual mileage, limit your claims fillings, and add certain features such as passive restraint systems, anti-lock brakes, and anti-theft devices.
Frequently Asked Questions
How do Lexus ES 350 car insurance rates compare to other vehicles?
Lexus ES 350 car insurance rates can vary depending on factors such as the model year, driver’s profile, location, coverage options, deductibles, and insurance provider. Generally, due to its luxury status and higher value, the Lexus ES 350 may have slightly higher insurance rates compared to more affordable and less luxurious vehicles.
Which factors influence Lexus ES 350 car insurance rates?
Several factors influence Lexus ES 350 car insurance rates, including the vehicle’s value, safety features, repair costs, theft rates, the driver’s age, driving history, location, coverage selections, deductibles, and the specific rating factors used by the insurance company.
Are Lexus ES 350 car insurance rates similar across different model years?
While Lexus ES 350 car insurance rates can vary based on various factors, including the model year, newer models of the ES 350 may generally have slightly higher insurance rates due to their higher value and potential repair costs. However, rates can also depend on the safety features and technology advancements in each model year.
How can I find the best Lexus ES 350 car insurance rates?
To find the best Lexus ES 350 car insurance rates, it’s advisable to shop around and obtain quotes from multiple insurance providers. Comparing rates, coverage options, and customer reviews can help you identify insurance companies that offer competitive rates and good customer service for Lexus ES 350 owners.
Are there any specific insurance companies known for offering competitive rates on Lexus ES 350 car insurance?
While specific insurance companies may vary based on individual circumstances, it’s generally recommended to consider well-established and reputable insurance providers that offer coverage for luxury vehicles. Examples of such companies include GEICO, Progressive, Allstate, State Farm, and Farmers Insurance. However, it’s important to compare quotes and coverage options to find the best rates for your specific Lexus ES 350 model.
Do Lexus ES 350 cars require specialized insurance coverage?
While Lexus ES 350 cars do not typically require specialized insurance coverage, it’s important to consider adequate coverage based on the vehicle’s value and potential risks. Comprehensive and collision coverage are generally recommended to protect against theft, accidents, vandalism, and damage from natural disasters. It’s also important to meet the minimum liability insurance requirements set by your state.
Free Car Insurance Comparison
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.