2019 Lexus ES 350 Car Insurance Calculator

Discover how different factors affect the cost of insurance for a 2019 Lexus ES 350. Change driver's age, policy discounts, trim level options, and driving record plus many other factors. Find out instantly if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2019 Lexus ES 350 is $2,140 per year, or about $178 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

$2,140

Cost Per Month

$178

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 2019 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.

$2,140
Average Rate
Your Rate
$2,140

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 2019 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 2019 Lexus ES 350 is $2,140.

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.

2019 Lexus ES 350 Segment Comparison

The table below compares insurance rates for the 2019 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.

2019 Lexus ES 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$290
2Lexus IS 300$2,006-$134
3Lexus RC 300$2,094-$46
4Lexus ES 350$2,140--
5Lincoln MKZ$2,166$26
6Mercedes-Benz SLC300$2,188$48
7Mercedes-Benz AMG CLA45$2,198$58
8Audi A3$2,236$96
9Mercedes-Benz CLA250$2,260$120
10Audi S5$2,264$124
11Mercedes-Benz E300$2,274$134
12Genesis G80$2,290$150
13Lexus ES 300H$2,312$172
14BMW 430i$2,328$188
15Lexus GS 300$2,368$228
16Audi A6$2,378$238
17Audi S4$2,390$250
18Lexus GS 350$2,396$256
19Mercedes-Benz CLS450$2,410$270
20BMW 540i$2,442$302
21BMW 530i$2,444$304
22Mercedes-Benz E450$2,474$334
23Jaguar XF$2,484$344
2019 Midsize Luxury Car Average$2,497$357
24BMW 440i$2,498$358
25Mercedes-Benz AMG C43$2,552$412
26Mercedes-Benz SL450$2,560$420
27BMW 530e$2,598$458
28Infiniti Q50$2,614$474
29BMW M550i$2,726$586
30Audi RS 5$2,738$598
31BMW 640i$2,772$632
32Mercedes-Benz AMG C63$2,782$642
33Tesla Model S$2,788$648
34Lexus GS F$2,914$774
35Mercedes-Benz SL550$2,922$782
36Audi A7$2,946$806
37Lexus LC 500H$2,974$834
38BMW M5$3,134$994
39BMW M6$3,472$1,332

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.

2019 ES 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Lexus ES 350 Insurance Rates by Trim Level
2019 Lexus ES 350 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,124$177
Ultra Luxury Sedan$2,124$177
F-Sport Sedan$2,142$179
Sedan$2,166$181

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 2019 Lexus ES 350 for different driver ages.

2019 Lexus ES 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,668$639
17$7,446$621
18$6,711$559
19$6,085$507
20$4,662$389
21$4,444$370
22$3,982$332
23$3,244$270
24$3,071$256
25$2,486$207
30$2,282$190
35$2,194$183
40$2,140$178
45$1,996$166
50$1,890$158
55$1,768$147
60$1,774$148
65$1,894$158
70$2,040$170
75$2,400$200
80$2,966$247

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.