Lexus ES 350 Insurance Rates [List of Money Saving Tips]

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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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.

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
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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
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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
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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
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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
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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
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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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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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