Lexus ES 350 Car Insurance Rates for 2022

How much does Lexus ES 350 insurance cost? Find the average cost per month and year along with comparisons to the rest of the midsize luxury car market.

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  • Lexus ES 350 insurance costs an average of $1,794 per year, or around $150 per month for full coverage.
  • The base Sedan trim level has the cheapest Lexus ES 350 insurance at around $1,710 per year. The most expensive model to insure is the Ultra Luxury Sedan at $1,864 per year.
  • The Lexus ES 350 is one of the cheaper midsize luxury cars to insure, costing $224 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 $1,794 per year for a full-coverage car insurance policy. Depending on the trim level being insured, monthly car insurance cost for a 2022 Lexus ES 350 ranges from $143 to $155.

From the standpoint of individual coverages, liability/medical (or PIP) coverage costs approximately $436 a year, comprehensive (or other-than-collision) coverage is approximately $424, and the remaining collision insurance is approximately $934.

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

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Chart Data Details: Chart shows average insurance cost for a 2022 Lexus ES 350 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus ES 350 trim levels.Data last updated on September 8, 2022
Lexus ES 350 Car Insurance Cost Summary
Lexus ES 350 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,994$250
$500$3,604$300
$250$4,250$354
30$1,000$1,570$131
$500$1,906$159
$250$2,256$188
40$1,000$1,486$124
$500$1,794$150
$250$2,116$176
50$1,000$1,358$113
$500$1,636$136
$250$1,926$161
60$1,000$1,336$111
$500$1,610$134
$250$1,896$158

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus ES 350 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus ES 350 trim levels.Data last updated on September 8, 2022
Lexus ES 350 Insurance Cost by Risk Profile
Lexus ES 350 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,116$343
Safe Driver Age 20$3,604$300
At-fault Accidents Age 40$2,530$211
Low Deductibles Age 40$2,400$200
Safe Driver Age 30$1,906$159
Safe Driver Age 40$1,794$150
Safe Driver Age 50$1,636$136
Safe Driver Age 60$1,610$134
Discount Rate Age 40$1,488$124
High Deductibles Age 40$1,486$124

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 2022 Lexus ES 350, a 20-year-old man will have an average rate of $3,604 per year, while a 20-year-old female will get a rate of $2,644, a difference of $960 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,636 and rates for female drivers are $1,602, a difference of only $34.
  • The cost for teen driver insurance is expensive. Average rates for full coverage ES 350 insurance costs $6,338 per year for a 16-year-old driver, $5,982 per year for a 17-year-old driver, and $5,606 per year for a 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 $474 per year. Major misdemeanors like DWI or reckless driving could raise rates by an additional $1,674 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 $2,130 or more per year.
  • More policy discounts means 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 many other policy discounts which could save the average driver as much as $306 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 $308 per year for a 40-year-old driver and $610 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy cost. Decreasing your policy deductibles from $500 to $250 could cost an additional $322 per year for a 40-year-old driver and $646 per year for a 20-year-old driver.

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

Lexus ES 350 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,604$1,906$1,794$1,636$1,610
2021$3,272$1,732$1,636$1,490$1,466
2020$3,208$1,696$1,604$1,460$1,436
2019$3,122$1,646$1,558$1,422$1,398
2018$3,082$1,620$1,536$1,400$1,376
2017$2,998$1,574$1,494$1,362$1,340
2016$2,472$1,320$1,240$1,132$1,112
2015$2,582$1,360$1,294$1,184$1,162
2014$2,650$1,386$1,326$1,212$1,190
2013$2,466$1,290$1,234$1,128$1,108

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Lexus ES 350 Insurance Rates by Model Year

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 significant impact on the cost of a car insurance policy.

The table below details the different trim levels available on the 2022 Lexus ES 350 and the cost of insurance per month, every six months, and per year.

2022 Lexus ES 350 Insurance Cost by Trim Level
Lexus ES 350 Trim Level Annual Policy 6-month Policy Per Month
Sedan$1,710$855$143
F Sport Sedan$1,794$897$150
Luxury Sedan$1,810$905$151
Ultra Luxury Sedan$1,864$932$155

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lexus ES 350, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2022 Lexus ES 350 Insurance Cost by Trim Level

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 Sedan model which has a MSRP of $40,800 and the most expensive on the Ultra Luxury Sedan model, which has a MSRP of $49,980.

Lexus ES 350 vs. midsize luxury car segment

The Lexus ES 350 ranks #11 out of 38 total vehicles in the 2022 midsize luxury car category for car insurance affordability. The ES 350 costs an average of $1,794 per year to insure and the segment median cost is $2,018 annually, a difference of $224 per year.

When compared to top-selling vehicles in the midsize luxury car class, insurance rates for a Lexus ES 350 cost $96 less per year than the BMW 530i, $430 less than the Infiniti Q50, $12 more than the Mercedes-Benz CLA250, and $206 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.

Insurance Cost Comparison: Lexus ES 350 vs Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura ILX$1,404-$390
2Lexus RC 300$1,690-$104
3Mercedes-Benz AMG CLA35$1,732-$62
4BMW i4$1,740-$54
5Cadillac CT5$1,744-$50
6Audi A3$1,762-$32
7Mercedes-Benz AMG CLA45$1,770-$24
8Mercedes-Benz CLA250$1,782-$12
9Lexus ES 250$1,784-$10
10Lexus IS 300$1,786-$8
11Lexus ES 350$1,794--
12Genesis G80$1,832$38
13Audi S5$1,854$60
14BMW 530i$1,890$96
15Lexus ES 300h$1,896$102
16Mercedes-Benz E350$1,908$114
17BMW 530e$1,926$132
18BMW 540i$1,930$136
19Audi S4$1,938$144
20BMW M440i$1,940$146
21Mercedes-Benz E450$1,948$154
22Audi A6$2,000$206
23Jaguar XF$2,006$212
24Lexus IS 500$2,028$234
25BMW 430i$2,050$256
26Mercedes-Benz CLS450$2,064$270
27Audi RS 5$2,166$372
28Mercedes-Benz AMG C43$2,186$392
29Audi S6$2,198$404
30Infiniti Q50$2,224$430
31Mercedes-Benz AMG C63$2,254$460
32BMW M550i$2,340$546
33Audi A7$2,394$600
34Tesla Model S$2,434$640
35Lexus LC 500h$2,464$670
36Audi S7$2,590$796
37BMW M8$2,606$812
38BMW M5$2,636$842

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Insurance Cost Comparison: Lexus ES 350 vs Midsize Luxury Cars