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How to Find Cheap Lexus ES 350 Insurance Quotes

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.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 2020

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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 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 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 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.

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

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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

Compare Free Lexus ES 350 Insurance Quotes Online

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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