2023 Lexus ES 350 Car Insurance Calculator

Discover how seemingly small changes affect the cost of insurance for a 2023 Lexus ES 350. Experiment with options like policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover if rates change for better or worse.

The average estimated car insurance premium for a 2023 Lexus ES 350 is $2,460 per year, or about $205 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

$2,460

Cost Per Month

$205

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 2023 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.

$2,460
Average Rate
Your Rate
$2,460

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 2023 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 2023 Lexus ES 350 is $2,460.

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.

2023 Lexus ES 350 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lexus ES 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$10
2Lexus ES 350$2,460--
3Lexus ES 250$2,472$12
4Lexus RC 300$2,482$22
5Mercedes-Benz AMG CLA35$2,488$28
6Audi A3$2,492$32
7Mercedes-Benz AMG CLA45$2,546$86
8Mercedes-Benz CLA250$2,554$94
9Lexus IS 300$2,568$108
10Jaguar XF$2,578$118
11Audi S4$2,628$168
12BMW i4$2,636$176
13Mercedes-Benz E350$2,654$194
14Lexus ES 300h$2,690$230
15BMW 530i$2,742$282
16Audi A6$2,798$338
17Audi S5$2,802$342
18BMW 540i$2,808$348
19BMW 430i$2,856$396
20Lexus IS 500$2,858$398
21Mercedes-Benz E450$2,886$426
22Genesis G80$2,892$432
2023 Midsize Luxury Car Average$2,899$439
23Mercedes-Benz CLS450$2,968$508
24Mercedes-Benz EQE 350$2,988$528
25Audi RS 5$2,996$536
26BMW 530e$3,014$554
27Audi S6$3,044$584
28Mercedes-Benz AMG C43$3,048$588
29BMW M440i$3,052$592
30Mercedes-Benz EQE 500$3,056$596
31Audi A7$3,176$716
32Infiniti Q50$3,180$720
33Lexus LC 500h$3,414$954
34BMW M550i$3,420$960
35Tesla Model S$3,498$1,038
36Audi S7$3,520$1,060
37BMW M5$3,624$1,164
38BMW M8$3,824$1,364

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.

2023 ES 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Lexus ES 350 Insurance Rates by Trim Level
2023 Lexus ES 350 Trim Level Annual Premium Cost Per Month
Base$2,344$195
F Sport Design$2,456$205
Luxury$2,470$206
F Sport Handling$2,494$208
Ultra Luxury$2,540$212

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 2023 Lexus ES 350 for different driver ages.

2023 Lexus ES 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,739$728
17$8,511$709
18$7,713$643
19$6,981$582
20$5,360$447
21$5,111$426
22$4,586$382
23$3,723$310
24$3,533$294
25$2,862$239
30$2,630$219
35$2,524$210
40$2,460$205
45$2,292$191
50$2,168$181
55$2,028$169
60$2,034$170
65$2,174$181
70$2,330$194
75$2,730$228
80$3,370$281

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.