2018 Lexus ES 350 Car Insurance Calculator

Explore and understand how seemingly small changes impact the insurance cost for a 2018 Lexus ES 350. Experiment with options like your location, homeowner status, and credit score to see how rates are affected. Immediately see if rates go up or down and learn why.

The average estimated car insurance premium for a 2018 Lexus ES 350 is $2,062 per year, or about $172 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

$2,062

Cost Per Month

$172

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 2018 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.

$2,062
Average Rate
Your Rate
$2,062

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 2018 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 2018 Lexus ES 350 is $2,062.

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.

2018 Lexus ES 350 Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus ES 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$306
2Lexus IS 300$1,908-$154
3Lexus RC 300$1,992-$70
4Mercedes-Benz SLC300$2,058-$4
5Lexus ES 350$2,062--
6Mercedes-Benz AMG CLA45$2,076$14
7Audi S5$2,114$52
8Audi A3$2,126$64
9Mercedes-Benz CLA250$2,136$74
10Mercedes-Benz C350E$2,146$84
11Lincoln MKZ$2,158$96
12Mercedes-Benz E300$2,162$100
13Lexus ES 300H$2,170$108
14Genesis G80$2,174$112
15BMW 430i$2,190$128
16Audi A6$2,212$150
17Audi S4$2,224$162
18Lexus GS 300$2,260$198
19Jaguar XE$2,262$200
20Lexus GS 350$2,282$220
21BMW 530i$2,288$226
22BMW 540xi$2,298$236
23BMW 540i$2,304$242
24BMW 440i$2,334$272
25Jaguar XF$2,354$292
26Mercedes-Benz AMG C43$2,410$348
27Mercedes-Benz SL450$2,430$368
28Mercedes-Benz E400$2,442$380
29Infiniti Q50$2,450$388
2018 Midsize Luxury Car Average$2,459$397
30BMW 530e$2,460$398
31Audi RS 5$2,490$428
32Mercedes-Benz AMG E43$2,500$438
33BMW 530xi$2,504$442
34BMW M550i$2,582$520
35Mercedes-Benz AMG C63$2,634$572
36BMW 640xi$2,642$580
37Audi S6$2,662$600
38BMW 640i$2,712$650
39Mercedes-Benz SL550$2,762$700
40Lexus GS F$2,772$710
41Tesla Model S$2,810$748
42Lexus LC 500H$2,834$772
43Audi A7$2,844$782
44BMW 650xi$2,848$786
45Audi S7$3,022$960
46BMW M5$3,034$972
47BMW M6$3,228$1,166
48Mercedes-Benz SL63 AMG$3,280$1,218
49Mercedes-Benz SL65 AMG$4,084$2,022

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.

2018 ES 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus ES 350 Insurance Rates by Trim Level
2018 Lexus ES 350 Trim Level Annual Premium Cost Per Month
Sedan$2,062$172

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 2018 Lexus ES 350 for different driver ages.

2018 Lexus ES 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,422$619
17$7,204$600
18$6,480$540
19$5,880$490
20$4,498$375
21$4,290$358
22$3,839$320
23$3,129$261
24$2,963$247
25$2,400$200
30$2,202$184
35$2,118$177
40$2,062$172
45$1,928$161
50$1,826$152
55$1,704$142
60$1,712$143
65$1,830$153
70$1,972$164
75$2,320$193
80$2,870$239

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.