Lexus ES 350 Auto Insurance (2024)
Lexus ES 350 insurance rates are $1,470 a year, or around $123 a month on average. On average, comprehensive coverage costs $358, collision coverage costs $523, and liability coverage costs $415 for Lexus ES 350 insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
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Key takeaways:
- 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
- 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
Lexus ES 350 insurance rates are $123 per month for full coverage and $49 per month for liability coverage. Policy discounts can save you up to $606 a year. Continue reading through the guide to learn how you can save money on Lexus ES 350 insurance rates.
You can start comparing quotes for Lexus ES 350 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Lexus ES 350 Insurance Cost
The average Lexus ES 350 auto insurance rates are $1,470 a year or $123 a month.
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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 Jaguar XE, Acura TLX, and Audi A6.
Read more: Jaguar Auto Insurance
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Jaguar XE | $382 | $774 | $398 | $1,712 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Lexus GS 350 | $370 | $714 | $338 | $1,558 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Audi S6 | $444 | $894 | $398 | $1,894 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
What Impacts the Cost of Lexus ES 350 Insurance?
The Lexus ES 350 trim and model you choose can impact the total price you will pay for Lexus ES 350 insurance coverage.
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 |
Driver Age
Driver age can have a significant impact on Lexus ES 350 auto insurance rates. For instance, a 30-year-old driver may pay $65 more each year for Lexus ES 350 auto 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 Los Angeles may pay $809 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on your Lexus ES 350 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Lexus ES 350 auto insurance with violations on their driving record.
Lexus ES 350 Safety Ratings
The Lexus ES 350’s safety ratings will affect your Lexus ES 350 auto 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
Lexus ES 350 crash test ratings can impact the cost of your Lexus ES 350 auto insurance. See Lexus ES 350 crash test results below:
| 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
Having a variety of safety features on your Lexus ES 350 can help lower your Lexus ES 350 insurance costs. The Lexus ES 350’s safety features include:
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Lexus Enform Safety Connect Emergency Sos
- Lexus Safety System+
- Lane Departure Alert (LDA) with Steering Assist Lane Keeping Assist
- Lane Departure Alert (LDA) with Steering Assist Lane Departure Warning
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
- Rear Child Safety Locks
- First Aid Kit
- Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
- Back-Up Camera
Lexus ES 350 Insurance Loss Probability
Review the Lexus ES 350 auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Lexus ES 350 auto insurance costs; higher percentages mean higher Lexus ES 350 auto insurance costs.
| 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 | |
Lexus ES 350 Finance and Insurance Cost
If you are financing a Lexus ES 350, you will pay more if you purchase Lexus ES 350 auto insurance at the dealership, so be sure to shop around and compare Lexus ES 350 auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Lexus ES 350 Insurance
There are several ways you can save even more on your Lexus ES 350 auto insurance rates. Take a look at the following five tips:
- Watch Your Insurer Closely When Your Lexus ES 350 Needs Repairs
- Get Cheaper Lexus ES 350 Insurance Rates as a Full-Time Parent
- Consider Lexus ES 350 Insurance Costs Before Buying a Lexus ES 350
- Ask About Usage-Based Insurance for Your Lexus ES 350
- Understand that Insurance Companies Can’t Change Your Lexus ES 350 Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
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 | |||
Compare Free Lexus ES 350 Insurance Quotes Online
You can start comparing quotes for Lexus ES 350 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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Frequently Asked Questions
What types of coverage are typically included in Lexus ES 350 auto insurance?
Lexus ES 350 auto insurance typically includes the following coverage options:
- Liability coverage: This covers damages or injuries you cause to others in an accident where you are at fault.
- Collision coverage: It pays for damages to your Lexus ES 350 resulting from a collision with another vehicle or object.
- Comprehensive coverage: This coverage protects your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Personal injury protection (PIP): PIP covers medical expenses and sometimes lost wages for you and your passengers in case of injuries sustained in an accident.
- Uninsured/underinsured motorist coverage: It provides coverage if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
How are auto insurance premiums for the Lexus ES 350 determined?
Auto insurance premiums for the Lexus ES 350 are typically determined based on several factors, including:
- Age and driving experience of the primary driver
- Location where the vehicle is primarily kept
- Driving history and claims record
- Vehicle’s value, model year, and safety features
- Annual mileage
- Credit history (in some cases)
- Insurance deductible and coverage limits chosen
Are there any specific considerations for insuring a Lexus ES 350?
Yes, there are a few specific considerations when insuring a Lexus ES 350:
- Luxury car insurance: Since the Lexus ES 350 is a luxury vehicle, the cost of insurance may be higher compared to standard vehicles due to higher repair and replacement costs.
- Anti-theft features: Installing anti-theft devices and security systems in your Lexus ES 350 may help lower your insurance premiums.
- Insurance discounts: You may be eligible for certain discounts such as multi-policy discounts (bundling home and auto insurance), safe driver discounts, or discounts for having safety features in your vehicle.
How can I find affordable auto insurance for my Lexus ES 350?
To find affordable auto insurance for your Lexus ES 350, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Look for insurance companies that specialize in luxury car insurance or offer specific discounts for luxury vehicles.
- Maintain a good driving record and consider taking defensive driving courses to improve your driving skills and potentially qualify for additional discounts.
- Increase your deductible, but ensure you can afford to pay it in case of a claim.
- Ask your insurance provider about available discounts or programs that can help reduce your premiums.
Can I get specialized insurance coverage for modifications made to my Lexus ES 350?
Yes, if you have made modifications to your Lexus ES 350, such as aftermarket parts or performance enhancements, you may need specialized insurance coverage. Standard auto insurance policies may not fully cover the added value of modifications. It’s important to inform your insurance provider about any modifications and discuss the need for additional coverage options to protect the customized aspects of your vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.