Lexus ES 350 Insurance Cost [Everything You Need to Know]
If you want to buy Lexus ES 350 insurance coverage then a policy will cost $123 per month ($1,470 per year) on average. Good drivers can save as much as $2,267 a year over higher risk drivers.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 16, 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
Are you stressed trying to find affordable Lexus ES 350 insurance rates? Good drivers can save as much as $606 a year, and it’s easier than you might think.
It starts with comparing quotes for Lexus ES 350 car insurance rates from some of the best car insurance companies by using our free online tool now. You can add things like driving history and ultra luxury features along with safety features like pedestrian detection.
Table of Contents
What should someone expect to pay for insurance on a Lexus Luxury sedan?
Coverage costs for a Lexus ES 300h vary based on location, driver history, and many other factors. Whether you choose the base trim or ultra luxury designs, the Lexus safety features make reasonable rates easier to find than you might think. J.D. Power gives you one price for the car based on market factors and market conditions. Our online calculator runs multiple quotes at once, allowing drivers to compare coverage and savings .
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How does Lexus ES 350 coverage compare with other ultra-luxury cars?
The chart below gives a rough estimate of Lexus ES 350 insurance rates compared to other ultra luxury cars like the Jaguar XF, Volvo S60, and Lexus GS 300.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Jaguar XF | $406 | $804 | $398 | $1,766 |
| Volvo S60 | $332 | $656 | $398 | $1,544 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Volvo S90 | $356 | $714 | $398 | $1,626 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Lexus IS 350 | $344 | $686 | $398 | $1,586 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
What are the most important factors in insurance pricing?
Think about pricing listed on sites like J.D. Power. If you’re buying brand new, vendors would take into account the base price and any additional features. What kind of fuel efficiency can you expect? Does it have leather seats or heated seats? Essentially, what are the selling points? Insurance follows many of the same lines.
Age of the Vehicle
A brand new car depreciates as soon as you drive it off the lot, but many modern insurance policies offer replacement cost (meaning how much it would cost to buy it new). Older models may not have as many active safety features, and the retail price for replacement is lower.
| 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
Insurance companies look at all insured drivers and their respective ages. It is much more expensive to insure a 16-year-old boy than a 30-year-old soccer mom. Active safety features provide extra reassurance, but they don’t make up for inexperience, or conversely the slower reflexes we call experience with age.
Driver Location
Where you live has a large impact on insurance rates. From traffic density to crime rates, prices in Chicago may be vastly different from those in Detroit or Los Angeles even though they’re all big cities. Global rates have to take all location-based factors into account.
Your Driving Record
Do you have a speeding ticket, or did you run a red light within the past few years? Have you been in any kind of accident, big or small? Did you file a claim for road damage associated with construction around you? Taking advantage of driver aids in your car can reduce your risk. Insurance companies look for the driving record to go with it.
Safety Ratings
Nobody is perfect, and anybody can get in an accident. You can’t control the potentially reckless drivers around you. Features like lane-tracing assist and automatic braking help the insured driver. Features like cyclist detection protect drivers from threats that are easy to miss. Insurance companies look closely at the following features:
| 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 | |
What are Lexus ES 350 crash test ratings?
Poor Lexus ES 350 crash test ratings could mean higher car 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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What are Lexus ES 350 safety features?
Most drivers don’t realize that not only do Lexus ES 350 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower 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 (Optional)
- Auto-Leveling Headlights (Optional)
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
What is the Lexus ES 350 insurance loss probability?
The Lexus ES 350’s insurance loss probability varies for each form of coverage. The lower percentage means lower Lexus ES 350 auto insurance rates; higher percentages mean higher Lexus ES 350 car insurance rates.
| 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 | |
How much do Lexus ES 350 finance and insurance cost?
If you are financing a Lexus ES 350, most lenders will require you to carry higher Lexus ES 350 coverage options including comprehensive coverage, so be sure to shop around and compare Lexus ES 350 auto insurance rates from the best companies using our FREE tool below.
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What are some ways to save on ultra-luxury sedan insurance?
Although it may seem like your Lexus ES 350 car insurance rates are set, there are a few measures that you can take to secure the best Lexus ES 350 car insurance rates possible. Take a look at the following five ways to save on Lexus ES 350 auto insurance.
- Save Money on Young Driver Lexus ES 350 Insurance By Mentioning Grades or GPA
- Consider Using a Tracking Device on Your Lexus ES 350
- Reduce Your Coverage on an Older Lexus ES 350
- Ask for a Higher Deductible for Your Lexus ES 350 Insurance Policy
- Ask for a New Lexus ES 350 Auto Insurance Rate Based on Your Improved Credit Score
What are the top Lexus ES 350 insurance companies?
Several insurance companies offer competitive rates for the Lexus ES 350 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Lexus ES 350 drivers organized by market share.
| 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 | |||
How can you compare free Lexus ES 350 insurance quotes online?
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.