2022 Lexus ES 350 Car Insurance Calculator

Gain insights into how different risk factors affect the cost of insurance for a 2022 Lexus ES 350. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly if the choices you make are positive or negative.

The average estimated car insurance premium for a 2022 Lexus ES 350 is $2,518 per year, or about $210 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

$2,518

Cost Per Month

$210

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 2022 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.

$2,518
Average Rate
Your Rate
$2,518

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 2022 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 2022 Lexus ES 350 is $2,518.

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.

2022 Lexus ES 350 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus ES 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$550
2Lexus RC 300$2,370-$148
3Mercedes-Benz AMG CLA35$2,424-$94
4BMW i4$2,438-$80
5Cadillac CT5$2,446-$72
6Audi A3$2,472-$46
7Mercedes-Benz AMG CLA45$2,482-$36
8Mercedes-Benz CLA250$2,494-$24
9Lexus ES 250$2,504-$14
10Lexus IS 300$2,510-$8
11Lexus ES 350$2,518--
12Audi S5$2,596$78
13Audi S4$2,612$94
14BMW 530i$2,650$132
15Lexus ES 300h$2,660$142
16Genesis G80$2,674$156
17Mercedes-Benz E350$2,676$158
18BMW 530e$2,702$184
19BMW 540i$2,708$190
20BMW M440i$2,720$202
21Mercedes-Benz E450$2,732$214
22Audi A6$2,804$286
23Jaguar XF$2,812$294
2022 Midsize Luxury Car Average$2,819$301
24Lexus IS 500$2,846$328
25BMW 430i$2,876$358
26Mercedes-Benz CLS450$2,896$378
27Infiniti Q50$3,008$490
28Audi RS 5$3,040$522
29Mercedes-Benz AMG C43$3,060$542
30Audi S6$3,082$564
31Mercedes-Benz AMG C63$3,156$638
32Audi A7$3,252$734
33BMW M550i$3,282$764
34Lexus LC 500h$3,348$830
35Tesla Model S$3,408$890
36Audi S7$3,526$1,008
37BMW M8$3,656$1,138
38BMW M5$3,696$1,178

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.

2022 ES 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lexus ES 350 Insurance Rates by Trim Level
2022 Lexus ES 350 Trim Level Annual Premium Cost Per Month
Sedan$2,400$200
F Sport Sedan$2,520$210
Luxury Sedan$2,538$212
Ultra Luxury Sedan$2,612$218

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 2022 Lexus ES 350 for different driver ages.

2022 Lexus ES 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,981$748
17$8,755$730
18$7,947$662
19$7,180$598
20$5,511$459
21$5,254$438
22$4,716$393
23$3,814$318
24$3,621$302
25$2,934$245
30$2,694$225
35$2,580$215
40$2,518$210
45$2,346$196
50$2,218$185
55$2,072$173
60$2,080$173
65$2,226$186
70$2,386$199
75$2,794$233
80$3,458$288

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.