UPDATED: Jul 1, 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
Are you stressed trying to find cheap Lexus ES 350 insurance rates? Good drivers can save as much as $606 a year by earning policy discounts. Read on to learn what else drivers can do to save on insurance rates for a Lexus ES 350.
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.
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 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 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
Older Lexus ES 350 models generally cost less to insure. For example, car 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 example, 20-year-old drivers pay approximately $1,797 more each year for their Lexus ES 350 auto insurance than 30-year-old drivers.
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 the cost of Lexus ES 350 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus ES 350 auto insurance rates with violations on their driving record.
Lexus ES 350 Safety Ratings
Your Lexus ES 350 auto insurance rates are influenced by 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
Poor Lexus ES 350 crash test ratings could mean higher Lexus ES 350 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 | ||||
|---|---|---|---|---|
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
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 | |
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 auto insurance rates from the best companies using our FREE tool below.
Ways to Save on Lexus ES 350 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
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 | |||
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.