2024 Lexus ES 350 Car Insurance Calculator

See and learn how changes to driver risk factors and vehicle options affect car insurance rates for a 2024 Lexus ES 350. Customize policy discounts, trim level options, driving record, and coverage amounts to learn how each affects rates. Know immediately if the change results in higher or lower rates.

The average estimated car insurance premium for a 2024 Lexus ES 350 is $2,446 per year, or about $204 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

$2,446

Cost Per Month

$204

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 2024 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.

$2,446
Average Rate
Your Rate
$2,446

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 2024 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 2024 Lexus ES 350 is $2,446.

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.

2024 Lexus ES 350 Segment Comparison

The table below compares insurance rates for the 2024 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.

2024 Lexus ES 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$36
2Lexus IS 300$2,414-$32
3Lexus ES 350$2,446--
4Mercedes-Benz AMG CLA35$2,456$10
5Lexus RC 300$2,462$16
6Jaguar XF$2,476$30
7Cadillac CT5$2,526$80
8Lexus ES 250$2,534$88
9Lexus ES 300h$2,572$126
10Audi A3$2,634$188
11Infiniti Q50$2,650$204
12Mercedes-Benz AMG CLA45$2,682$236
13Audi S4$2,692$246
14Mercedes-Benz EQE 350$2,724$278
15BMW i4$2,734$288
16Lexus IS 500$2,770$324
17BMW 530i$2,848$402
2024 Midsize Luxury Car Average$2,874$428
18Audi S5$2,890$444
19BMW 540i$2,900$454
20BMW 430i$2,940$494
21BMW i5$2,960$514
22Genesis G80$2,976$530
23Mercedes-Benz EQE 500$3,008$562
24Mercedes-Benz AMG C43$3,024$578
25Audi A6$3,036$590
26Tesla Model S$3,070$624
27BMW 530e$3,100$654
28Audi RS 5$3,106$660
29Audi S6$3,128$682
30BMW M440i$3,206$760
31Audi A7$3,268$822
32Lexus LC 500h$3,508$1,062
33Audi S7$3,624$1,178
34BMW M8$3,948$1,502

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.

2024 ES 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 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.

2024 Lexus ES 350 Insurance Rates by Trim Level
2024 Lexus ES 350 Trim Level Annual Premium Cost Per Month
Base$2,330$194
F Sport Design$2,442$204
Luxury$2,450$204
F Sport Handling$2,478$207
Ultra Luxury$2,524$210

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 2024 Lexus ES 350 for different driver ages.

2024 Lexus ES 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,435$703
17$8,205$684
18$7,426$619
19$6,750$563
20$5,209$434
21$4,977$415
22$4,478$373
23$3,678$307
24$3,483$290
25$2,834$236
30$2,616$218
35$2,512$209
40$2,446$204
45$2,284$190
50$2,162$180
55$2,016$168
60$2,020$168
65$2,146$179
70$2,296$191
75$2,670$223
80$3,264$272

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.