Best Lexus ES 350 Car Insurance Quotes (2024)
Average Lexus ES 350 insurance rates cost $1,470 a year, or around $123 a month. Comprehensive, collision, and liability insurance cost around $358, $523, and $415, respectively. Finding Lexus ES 350 insurance quotes online is easy, and good drivers can save up to $606 a year on these costs by earning policy discounts.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Nov 27, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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:
- How much does insurance cost for a Lexus? 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
- Is insurance higher on a Lexus? Lexus ES 350 insurance costs around $49 less per year than the average vehicle
Finding cheap Lexus ES 350 insurance quotes is easier than ever thanks to the internet. Lexus ES 350 insurance rates are about $49 less per year than the average vehicle with full coverage costing around $1,470 a year or $123 a month. The highest rates are for teens who will pay around $5,373 a year or $448 a month as high-risk drivers for insurers. Let’s take a closer look at Lexus ES 350 insurance rates, crash test ratings, and more.
You can start comparing quotes for Lexus ES 350 car insurance rates from some of the best car insurance companies by using our free online tool now.
Lexus ES 350 Insurance Cost
The average Lexus ES 350 car insurance costs 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 Audi S7, Cadillac CT6, and Audi A8.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Audi S7 | $532 | $1,250 | $398 | $2,338 |
| Cadillac CT6 | $382 | $774 | $398 | $1,712 |
| Audi A8 | $464 | $900 | $390 | $1,912 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
However, there are a few things you can do to find the cheapest insurance on a Lexus fleonline.
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
Across all models, Lexus insurance costs go down the older a car gets and that foes for the ES 350. 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 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 with violations on their driving record.
Lexus ES 350 Safety Ratings
Your Lexus ES 350 auto insurance rates are tied to the Lexus ES 350’s safety ratings. See the breakdown 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 crash ratings also mean cheaper Lexus ES 350 auto 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
Having a variety of safety features on your Lexus ES 350 can help lower your insurance costs. According to AutoBlog, the 2020 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 Monitor
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Lexus ES 350 Insurance Loss Probability
The lower percentage means lower Lexus ES 350 auto insurance rates; higher percentages mean higher Lexus ES 350 car insurance rates. The Lexus ES 350’s insurance loss probability varies for each form 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 | |
Lexus ES 350 Finance and Insurance Cost
If you are financing a Lexus ES 350, most lenders will require your carry higher Lexus ES 350 coverage options including comprehensive coverage, so be sure to shop around and compare Lexus ES 350 car 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 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.
- Renew Your Lexus ES 350 Insurance Coverage to Avoid Lapses
- Reduce Modifications on Your Lexus ES 350
- Check the Odometer on Your Lexus ES 350
- Watch Your Insurer Closely When Your Lexus ES 350 Needs Repairs
- Install an Aftermarket Anti-Theft Device for Your Lexus ES 350
Top Lexus ES 350 Insurance Companies
Who is the best 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 | |||
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Frequently Asked Questions
What is the Lexus ES 350?
The Lexus ES 350 is a luxury mid-size sedan produced by Lexus, the luxury vehicle division of Toyota.
What factors affect the cost of insurance for a Lexus ES 350?
The cost of insurance for a Lexus ES 350 can be influenced by factors such as:
- driver’s age
- driving history
- location
- coverage level
- deductible amount
- and the car’s safety features
- value
- and repair costs.
What type of insurance coverage should I consider for my Lexus ES 350?
It is recommended to have comprehensive and collision coverage for your Lexus ES 350, in addition to liability coverage, to protect yourself and your vehicle in case of an accident, theft, or other covered damage.
Are there any discounts available for Lexus ES 350 car insurance?
Yes, many insurance companies offer discounts for features such as:
- anti-theft devices
- safety features
- multiple policies
- good driving records
- and low mileage.
How can I find the best insurance rates for my Lexus ES 350?
To find the best insurance rates for your Lexus ES 350, it is recommended to compare quotes from multiple insurance companies and consider factors such as:
- coverage levels
- deductibles
- and discounts.
Are there any specific insurance companies that offer good rates for Lexus ES 350 car insurance?
There is no one-size-fits-all answer to this question, as insurance rates can vary depending on many factors. It is recommended to compare quotes from multiple insurance companies to find the best rates for your specific situation.
Should I purchase gap insurance for my Lexus ES 350?
Gap insurance can be a good option if you are financing or leasing your Lexus ES 350, as it can help cover the difference between the car’s actual cash value and the amount you owe on the loan or lease if the car is totaled in an accident.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.