2016 Lexus ES 350 Car Insurance Calculator

Learn and understand how changes to driver risk factors and vehicle options impact the cost of car insurance for a 2016 Lexus ES 350. Customize choices like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see if the change you make raises or lowers insurance rates and why.

The average estimated car insurance premium for a 2016 Lexus ES 350 is $1,618 per year, or about $135 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,618

Cost Per Month

$135

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus ES 350 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Lexus ES 350.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,618
Average Rate
Your Rate
$1,618

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Lexus ES 350 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Lexus ES 350 is $1,618.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Lexus ES 350 Segment Comparison

The table below compares insurance rates for the 2016 Lexus ES 350 against all other models in the midsize luxury car segment. The Lexus ES 350 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus ES 350, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus ES 350.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Lexus ES 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618--
2Acura ILX$1,686$68
3Lexus IS 300$1,792$174
4Volvo S80$1,834$216
5Mercedes-Benz C350E$1,842$224
6Lexus RC 300$1,856$238
7Audi A3$1,888$270
8Mercedes-Benz AMG CLA45$1,910$292
9Lincoln MKZ$1,914$296
10Lexus ES 300H$1,924$306
11Audi A6$1,936$318
12Mercedes-Benz CLA250$1,982$364
13BMW 528i$2,020$402
14Lexus GS 350$2,036$418
15Mercedes-Benz E350$2,062$444
16Audi S4$2,064$446
17Mercedes-Benz SLK55 AMG$2,068$450
18BMW 428xi$2,072$454
19Jaguar XF$2,084$466
20Cadillac ELR$2,090$472
21Mercedes-Benz C450 AMG$2,100$482
22BMW 428i$2,106$488
23Audi S5$2,116$498
24Hyundai Genesis$2,130$512
25BMW 528xi$2,138$520
26Infiniti Q50$2,144$526
27BMW 535xi$2,150$532
28BMW 435xi$2,174$556
29Mercedes-Benz E250$2,192$574
30Mercedes-Benz SL400$2,210$592
31BMW Active 5$2,218$600
32BMW 435i$2,224$606
2016 Midsize Luxury Car Average$2,227$609
33BMW 535d$2,250$632
34Mercedes-Benz E400$2,300$682
35BMW 535i$2,308$690
36Mercedes-Benz E550$2,320$702
37Audi S6$2,358$740
38BMW 550i$2,362$744
39Mercedes-Benz CLS400$2,436$818
40BMW 550xi$2,452$834
41Mercedes-Benz SL550$2,456$838
42BMW 640i$2,490$872
43Audi A7$2,504$886
44BMW 640xi$2,510$892
45BMW M5$2,518$900
46Audi S7$2,522$904
47Tesla Model S$2,590$972
48Mercedes-Benz S550E$2,594$976
49BMW 650xi$2,610$992
50Lexus GS F$2,622$1,004
51BMW M6$2,796$1,178
52Mercedes-Benz SL63 AMG$2,876$1,258
53Mercedes-Benz SL65 AMG$3,584$1,966

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 ES 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Lexus ES 350.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Lexus ES 350 Insurance Rates by Trim Level
2016 Lexus ES 350 Trim Level Annual Premium Cost Per Month
Sedan$1,618$135

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Lexus ES 350 for different driver ages.

2016 Lexus ES 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,614$468
17$5,473$456
18$4,975$415
19$4,504$375
20$3,470$289
21$3,312$276
22$2,977$248
23$2,426$202
24$2,304$192
25$1,878$157
30$1,730$144
35$1,658$138
40$1,618$135
45$1,510$126
50$1,426$119
55$1,332$111
60$1,338$112
65$1,426$119
70$1,522$127
75$1,766$147
80$2,166$181

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus ES 350 trim levels.