Lexus ES 350 Insurance Costs for 2025: Rates and Trends

• Lexus ES 350 insurance costs an average of $2,446 per year, or around $204 per month for full coverage.
• The base trim level has the cheapest Lexus ES 350 insurance at around $2,330 per year. The most expensive model to insure is the Ultra Luxury at $2,524 per year.
• The Lexus ES 350 is one of the cheaper midsize luxury cars to insure, costing $428 less per year on average when compared to other midsize luxury cars.

How much does Lexus ES 350 car insurance cost?

Lexus ES 350 insurance costs an average of $2,446 per year for a full coverage car insurance policy. Depending on the trim level being insured, monthly car insurance cost for a 2024 Lexus ES 350 ranges from $194 to $210.

From the standpoint of individual coverages, liability/medical (or PIP) coverage costs approximately $620 a year, comprehensive (or other-than-collision) coverage is approximately $690, and the remaining collision insurance is approximately $1,136.

The chart below details how the average Lexus ES 350 insurance cost changes based on the age of the rated driver and a range of policy deductibles.

The chart above shows average car insurance rates by age group for drivers that have good driving records. Obviously, not everyone has a spotless MVR report, so the chart below compares average rates using not only different driver ages but also different risk profiles.

The average rates in the chart above definitely show that maintaining a clean driving record results in lower car insurance rates. The 30-year-old high-risk driver rate could result from a DUI or reckless driving charge, or simply from too many speeding tickets and at-fault accidents.

The list below details other examples of situations that can affect the price you pay to insure a Lexus ES 350.

• Young males pay a lot more for auto insurance. For a 2024 Lexus ES 350, a 20-year-old man will have an average rate of $4,852 per year, while a 20-year-old female will get a rate of $3,498, a difference of $1,354 per year in the women’s favor by a large margin. But by age 50, male driver rates are $2,162 and rates for female drivers are $2,110, a difference of only $52.
• The cost of teen driver insurance is expensive. Average rates for full coverage ES 350 insurance costs $8,435 per year for a 16-year-old driver, $8,205 per year for a 17-year-old driver, and $7,426 per year for an 18-year-old driver.
• Violations and tickets cost more than a fine. To earn the best ES 350 insurance rates, it’s necessary to be an excellent driver. Just a couple of traffic citations have the ramification of raising insurance policy rates by as much as $630 per year. Major misdemeanors like DWI or reckless driving could raise rates by an additional $2,204 or more.
• High-risk drivers pay a lot more for insurance. For a 50-year-old driver, having to buy a high-risk insurance policy could raise rates by $2,784 or more per year.
• More policy discounts mean cheap Lexus ES 350 insurance rates. Discounts may be available if the policyholders work in certain occupations, are accident-free, are senior citizens, are military or federal employees, or other policy discounts which could save the average driver as much as $412 per year on the cost of insuring a Lexus ES 350.
• The higher the deductibles, the lower the cost. Boosting your physical damage deductibles from $500 to $1,000 could save around $416 per year for a 40-year-old driver and $798 per year for a 20-year-old driver.
• Choosing a low deductible will increase insurance policy costs. Decreasing your policy deductibles from $500 to $250 could cost an additional $430 per year for a 40-year-old driver and $844 per year for a 20-year-old driver.

The following table shows the average ES 350 car insurance premiums for the 2013-2017 model years and for various driver ages.

Not only does the year of the vehicle impact the cost of car insurance as shown by the above table, but the trim level and amount of optional packages added to the vehicle can also have a significant impact on the cost of a car insurance policy.

The table below details the different trim levels available on the 2024 Lexus ES 350 and the cost of insurance per month, every six months, and per year.

As shown in the table, the general rule is as the cost of the vehicle increases, the cost to insure it also increases. For the Lexus ES 350, insurance rates are cheapest for the base model which has an MSRP of $43,190 and the most expensive on the Ultra Luxury model, which has an MSRP of $52,080.

Lexus ES 350 vs. midsize luxury car segment

The Lexus ES 350 ranks third out of 34 total vehicles in the 2024 midsize luxury car category for car insurance affordability. The ES 350 costs an average of $2,446 per year to insure and the segment median cost is $2,874 annually, a difference of $428 per year.

When compared to top-selling vehicles in the midsize luxury car class, insurance rates for a Lexus ES 350 cost $402 less per year than the BMW 530i, $204 less than the Infiniti Q50, $36 more than the Mercedes-Benz CLA250, and $590 less than the Audi A6.

The table below shows how average ES 350 insurance rates compare to the entire midsize luxury car class for insurance affordability.