Compare Cheap Lexus ES 350 Insurance Quotes

The average Lexus ES 350 insurance quotes are $123 a month, but 2019 Lexus ES 350 insurance costs more than a 2013 or 2014 Lexus. To save the most money on your brand new Lexus ES 350 insurance coverage, you can use our free comparison tool below to compare Lexus ES 350 insurance rates by zip code.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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.

Good drivers save up to $606 a year in policy discounts by practicing safe driving habits. 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 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 Lexus GS 300, Lexus GS 350, and Cadillac CTS-V.

Vehicle Comprehensive Collision Liability Total
Lexus ES 350 $362 $656 $316 $1,470
Lexus GS 300 $344 $656 $338 $1,474
Lexus GS 350 $370 $714 $338 $1,558
Cadillac CTS-V $406 $804 $338 $1,684
Infiniti Q70 $370 $774 $338 $1,618
Audi S6 $444 $894 $398 $1,894
Volvo S60 $332 $656 $398 $1,544
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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 car insurance coverage.

Age of the Vehicle

The average Lexus ES 350 auto insurance rates are higher for newer models. 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 the cost of Lexus ES 350 car insurance. For example, a 20-year-old driver could pay around $150 more each month for their Lexus ES 350 car insurance than a 30-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 $211 a year more than drivers in Houston.

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 car insurance rates are tied to the safety ratings of the Lexus ES 350. 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
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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
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Lexus ES 350 Safety Features

The more safety features you have on your Lexus ES 350, the more likely it is that you can earn a discount. 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 Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

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
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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 rates from the best companies using our FREE tool below.

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Ways to Save on Lexus ES 350 Insurance

Save more on your Lexus ES 350 car insurance rates. Take a look at the following five strategies that will get you the best Lexus ES 350 auto insurance rates possible.

  • Ask About Lexus ES 350 Safety Discounts
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Lexus ES 350
  • Spy on Your Teen Driver
  • Choose a Lexus ES 350 with Cheaper Repair Costs
  • Pay Your Bills On Time — Especially Lexus ES 350 Payments and Insurance

Top Lexus ES 350 Insurance Companies

Who is the top car 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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