How Much are Lexus ES 350 Insurance Rates?

Average Lexus ES 350 auto insurance rates cost $1,470 a year, or around $123 a month. On average, Lexus ES 350 comprehensive insurance coverage costs $358, collision coverage costs $523, and liability coverage costs $415.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you need to know...

  • 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
  • Since this is a luxury car, you can expect your rates to be higher
  • Certain safety features will help keep the cost of insuring your vehicle down
  • You may see lower car insurance rates on the Lexus ES because the IIHS awarded it a “Good” rating in both frontal-offset and side-impact tests.

One of the most popular lines of luxury cars, the Lexus ES sedans are perennial bestsellers in that market. Insurance prices take into account features of the car, but also the individual owners as well. So your price could vary widely depending on how many optional safety features you purchase and your personal driving statistics.

Searching for Lexus ES 350 insurance rates can often leave you with more questions than answers. That’s why we’ve prepared this comprehensive guide to aid you in your search to find quality Lexus ES 350 rates that you can depend upon.

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.

How much does the Lexus ES cost to insure?

The cost of ownership includes all the expenses, both obvious and hidden, of owning and operating a vehicle, excluding the purchase price. The hidden costs are depreciation and financing of the automobile loan.

Add to these the insurance premiums, state fees, fuel, and maintenance and repair costs, to arrive at the yearly cost of ownership.

On a brand-new car, this cost is always higher the first year because of the larger amount of depreciation. The Lexus ES series has historically been a very reliable car with lower maintenance and repair costs than other similar vehicles.

Thus, Automobile Magazine has rated it as an “Excellent Value” car in its report on the 350.

Obviously, these costs will vary by state and owner. The insurance costs alone can vary by hundreds of dollars a year from person to person and from one insurance company to the next.

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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 A7, Lexus IS 300, and Cadillac CT6.

Vehicle Comprehensive Collision Liability Total
Lexus ES 350 $362 $656 $316 $1,470
Audi A7 $406 $834 $398 $1,796
Lexus IS 300 $356 $686 $398 $1,598
Cadillac CT6 $382 $774 $398 $1,712
Mercedes-Benz E300 $394 $744 $338 $1,612
Infiniti Q70 $370 $774 $338 $1,618
Cadillac CTS-V $406 $804 $338 $1,684
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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?

What factors affect the cost of my insurance? The Lexus ES 350 trim and model you choose can impact the total price you will pay for Lexus ES 350 insurance coverage.

The type of car you own is not the only factor in determining the price you’ll pay for insurance premiums. Who you are and how you drive matter as well.

Your age, whether you are male or female, and your marital status are primary statistics used by insurance companies. Married people and women tend to pay lower premiums, as do people who have been driving for several years.

If you live in a high-crime area, especially high in car thefts, expect to pay more.

Those in larger cities tend to pay more while drivers in rural areas pay less. Where the car is stored can be a factor. If you have a home with a garage, be sure to mention that for an extra discount.

Believe it or not, your occupation will also influence insurance premiums.

People who drive as part of their jobs, like salespeople and delivery personnel, have a higher probability of being in a wreck simply because they are on the road more. Thus, they will pay more than someone who sits behind a desk all day.

Those who put a lot of miles on a car every year also pay more.

Do you live in a flood area or an area often hit by hurricanes? You might think this would only affect your home owner’s insurance, but it can impact your car insurance as well.

All of these factors are weighed by the insurance company when determining your premiums. Different companies might account for some of these differently, so it’s best to shop around.

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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 effect on Lexus ES 350 car insurance rates. As an example, a 30-year-old driver pays around $65 more each year for their Lexus ES 350 car 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 rates with violations on their driving record.

Lexus ES 350 Safety Ratings

The Lexus ES 350’s safety ratings will affect your Lexus ES 350 car 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

Not only do good Lexus ES 350 crash test ratings mean you are better protected in a crash, but good Lexus ES 350 crash ratings also mean cheaper 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 Lexus ES 350 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Lexus ES 350 auto insurance rates. 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

Known for catering to drivers who want comfort, safety, and luxury, the Lexus sedans come standard with many advanced safety features, which includes stability and traction control, and four disk anti-lock brakes.

The airbag system employs front- and rear-side airbags, and front knee airbags, as well as side curtain airbags.

The Insurance Institute for Highway Safety awards the Lexus ES 350 a “Good” rating in both frontal-offset and side-impact tests in its most recent report.

While these come standard, other safety features do not.

The newest optional feature from Lexus is the Enform with Safety Connect system. Similar to Chevrolet’s OnStar system, Safety Connect includes three different features: automatic collision notification, a locator if the Lexus is stolen, and emergency roadside assistance.

Another optional feature is the adaptive cruise control. This feature will automatically slow the car if it senses you are following another vehicle too closely. The pre-collision system uses radar to warn you of a possible impact.

All of these features result in a very safe car, which usually leads to lower premiums on car insurance.

However, the Lexus is a luxury vehicle and, as such, uses high-end parts. The parts are more expensive to replace, offsetting the discounts the enhanced safety features would provide.

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

When 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

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.

  • Don’t Always Pick the Cheapest Lexus ES 350 Insurance Policy
  • Move to an Area with Better Weather
  • Drive Your Lexus ES 350 Safely
  • Move to the Countryside
  • Move to an Area with a Lower Cost of Living

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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