Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus ES 350? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus ES 350 car insurance facts

  • Average full coverage auto insurance premium: $172/month

  • Most affordable companies: GEICO ($95/month) & Progressive ($101/month)

  • ES 350 car insurance cost vs. average rates: $77 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus ES 350 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus ES 350 insurer costs by state:

Risk factors affecting Lexus ES 350 coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus ES 350 insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus ES 350 repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus ES 350 affecting auto policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$2380
Allstate$2016
Auto-Owners$2234
Cincinnati Insurance$2391
Direct Auto$2260
Erie Insurance$1560
GEICO$1160
Kentucky Farm Bureau$2241
Liberty Mutual$1956
Mercury$1657
MetLife$2452
Nationwide$1360
Plymouth Rock Insurance$2020
Progressive$1247
Safe Auto$2511
State Farm$1876
Tennessee Farmers$1311
Texas Farm Bureau$1784
Travelers$1498

Compare all 2021 Lexus ES 350 rates

Average Cost to Insure Per Year

$2063

List Price

$40000

Trims Available

Base - Base Engine: 2.5-liter four-cylinder gas engine at 203 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2020 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1756
Allstate$1690
Auto-Owners$1850
Erie Insurance$1316
Farmers$1964
GEICO$1035
Liberty Mutual$1529
Mercury$1430
MetLife$2234
Nationwide$1139
Progressive$1065
State Farm$1486
Tennessee Farmers$1106
Texas Farm Bureau$1470
The Hanover$2016
Travelers$1255

Compare all 2020 Lexus ES 350 rates

Average Cost to Insure Per Year

$2033

List Price

$39900

Trims Available

Base - Base Engine: 2.5-liter four-cylinder gas engine at 203 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2019 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1753
Allstate$1687
Auto-Owners$1847
Erie Insurance$1342
GEICO$1020
Kentucky Farm Bureau$2071
Liberty Mutual$1526
Mercury$1426
MetLife$2230
Nationwide$1190
Progressive$1069
State Farm$1470
Tennessee Farmers$1170
Texas Farm Bureau$1462
The Hanover$2096
Travelers$1250

Compare all 2019 Lexus ES 350 rates

Average Cost to Insure Per Year

$1963

List Price

$39750

Trims Available

Base - Base Engine: 2.5-liter four-cylinder gas engine at 203 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2018 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1369
Acuity$ 1369
Allied$ 1274
Allied$ 1274
Arbella$ 1624
Arbella$ 1624
Erie$ 1091
Erie$ 1091
GEICO$ 1604
GEICO$ 1604
Mercury$ 1564
Mercury$ 1564
Nationwide$ 1357
Nationwide$ 1357
Plymouth Rock Insurance$ 1543
Plymouth Rock Insurance$ 1543
Southern Farm Bureau$ 1675
Southern Farm Bureau$ 1675
Tennessee Farmers$ 1139
Tennessee Farmers$ 1139
USAA$ 1313
USAA$ 1313
Vermont Mutual$ 1372
Vermont Mutual$ 1372

Compare all 2018 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 1912

List Price

$ 38950

Trims Available

Base

2017 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1359
Acuity$ 1359
Allied$ 1295
Allied$ 1295
Country$ 1493
Country$ 1493
Erie$ 1056
Erie$ 1056
GEICO$ 1528
GEICO$ 1528
Mercury$ 1525
Mercury$ 1525
Nationwide$ 1379
Nationwide$ 1379
Plymouth Rock Insurance$ 1496
Plymouth Rock Insurance$ 1496
Tennessee Farmers$ 1136
Tennessee Farmers$ 1136
Texas Farm Bureau$ 1146
Texas Farm Bureau$ 1146
USAA$ 1355
USAA$ 1355
Vermont Mutual$ 1321
Vermont Mutual$ 1321

Compare all 2017 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 1565

List Price

$ 38900

Trims Available

Base

2016 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1305
Acuity$ 1305
Allied$ 1310
Allied$ 1310
Arbella$ 1359
Arbella$ 1359
Country$ 1418
Country$ 1418
Erie$ 1033
Erie$ 1033
Mercury$ 1507
Mercury$ 1507
Nationwide$ 1413
Nationwide$ 1413
Plymouth Rock Insurance$ 1454
Plymouth Rock Insurance$ 1454
Tennessee Farmers$ 1115
Tennessee Farmers$ 1115
Texas Farm Bureau$ 1119
Texas Farm Bureau$ 1119
USAA$ 1353
USAA$ 1353
Vermont Mutual$ 1249
Vermont Mutual$ 1249

Compare all 2016 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 1426

List Price

$ 38100

Trims Available

Base

2015 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1251
Acuity$ 1251
Allied$ 1316
Allied$ 1316
Arbella$ 1431
Arbella$ 1431
Country$ 1369
Country$ 1369
Erie$ 918
Erie$ 918
GEICO$ 1311
GEICO$ 1311
Nationwide$ 1336
Nationwide$ 1336
Plymouth Rock Insurance$ 1422
Plymouth Rock Insurance$ 1422
Tennessee Farmers$ 1197
Tennessee Farmers$ 1197
Texas Farm Bureau$ 1006
Texas Farm Bureau$ 1006
USAA$ 1227
USAA$ 1227
Vermont Mutual$ 1181
Vermont Mutual$ 1181

Compare all 2015 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 1387

List Price

$ 37700

Trims Available

Base - Crafted Line

2014 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
ALFA$ 1307
ALFA$ 1307
Allied$ 1029
Allied$ 1029
American Family$ 1207
American Family$ 1207
Erie$ 864
Erie$ 864
Farmers$ 935
Farmers$ 935
GEICO$ 858
GEICO$ 858
Nationwide$ 1124
Nationwide$ 1124
Progressive$ 465
Progressive$ 465
State Farm$ 707
State Farm$ 707
Texas Farm Bureau$ 1042
Texas Farm Bureau$ 1042
USAA$ 831
USAA$ 831
Vermont Mutual$ 1092
Vermont Mutual$ 1092

Compare all 2014 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 987

List Price

$ 36620

Trims Available

Base

2013 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 964
Allied$ 964
Allstate$ 1328
Allstate$ 1328
American Family$ 1196
American Family$ 1196
Erie$ 863
Erie$ 863
Farmers$ 950
Farmers$ 950
GEICO$ 878
GEICO$ 878
Nationwide$ 1071
Nationwide$ 1071
Progressive$ 458
Progressive$ 458
State Farm$ 679
State Farm$ 679
Texas Farm Bureau$ 1047
Texas Farm Bureau$ 1047
USAA$ 792
USAA$ 792
Vermont Mutual$ 1095
Vermont Mutual$ 1095

Compare all 2013 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 968

List Price

$ 36370

Trims Available

Base

2012 Lexus ES 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1162
Acuity$ 1162
Allied$ 1236
Allied$ 1236
American Family$ 1388
American Family$ 1388
Arbella$ 1383
Arbella$ 1383
Erie$ 940
Erie$ 940
GEICO$ 1396
GEICO$ 1396
Nationwide$ 1344
Nationwide$ 1344
Plymouth Rock Insurance$ 1267
Plymouth Rock Insurance$ 1267
Tennessee Farmers$ 1211
Tennessee Farmers$ 1211
Texas Farm Bureau$ 1092
Texas Farm Bureau$ 1092
USAA$ 1061
USAA$ 1061
Vermont Mutual$ 1104
Vermont Mutual$ 1104

Compare all 2012 Lexus ES 350 rates

Average Cost to Insure Per Year

$ 1398

List Price

$ 36725

Trims Available

Base