Lexus ES 350 Car Insurance Quotes (2026)
The overall average cost of car insurance for a Lexus ES 350 is $155 per month, but premiums vary by state, coverage level, model year, and more.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Written byJamie Johnson
)
Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Lexus ES 350 drivers pay an average of $108 per month for liability coverage and $203 for full coverage. This midsize sedan from Lexus is a popular choice among drivers who prefer luxury vehicles. The Lexus ES 350 has slightly less expensive rates than coverage for comparable vehicles like the Acura TLX and the Genesis G80.
The best way to find cheap car insurance for a Lexus ES 350 is by comparing quotes from different insurers. Here’s what you should know about securing coverage for your Lexus ES 350, including average costs by model year and state.
Quick Facts
The average annual cost to insure a Lexus ES 350 is $1,296 for liability coverage and $2,436 for full coverage.
The overall average cost of car insurance for a Lexus vehicle is $157 per month across all models.
The starting price for a new 2025 Lexus ES 350 ranges from $43,215 to $52,105, depending on the chosen model trim.[1]
Cost of Lexus ES 350 insurance by model year
The average monthly car insurance premium for a Lexus ES 350 is $108 for liability coverage and $203 for full coverage. On average, USAA has the cheapest coverage for Lexus ES 350 drivers.
How much you pay for coverage will depend on your vehicle model year. If you have a new vehicle model, you’ll typically pay higher rates than for coverage for older models.
The chart below outlines average monthly quotes for different Lexus model years.
Model Year | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| 2025 | $143 | $270 |
| 2024 | $164 | $310 |
| 2023 | $142 | $268 |
| 2022 | $143 | $269 |
| 2021 | $147 | $277 |
| 2020 | $122 | $230 |
| 2019 | $134 | $252 |
| 2018 | $124 | $233 |
| 2017 | $127 | $238 |
| 2016 | $123 | $231 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Car Insurance for Your Lexus
Unlock savings and discounts when you compare rates through Insurify
Excellent
4.7 out of 5 based on 17,038 reviews
Secure. Free. Easy-to-use.
2025 Lexus ES 350 insurance
The 2025 Lexus ES 350’s starting manufacturer’s suggested retail price (MSRP) is $43,215. Below, you can compare average monthly quotes from this vehicle’s cheapest insurers.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $70 | $135 |
| State Farm | $83 | $162 |
| Allstate | $92 | $181 |
| GEICO | $103 | $200 |
| American Family | $106 | $208 |
| Nationwide | $130 | $248 |
| Travelers | $138 | $262 |
| Progressive | $152 | $213 |
| Farmers | $163 | $316 |
| Liberty Mutual | $261 | $342 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Lexus ES 350 insurance
With an MSRP of $43,190, the 2024 Lexus 350 had a very similar starting price point to the 2025 model. You can use the following table to compare quotes from different insurers.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $81 | $155 |
| State Farm | $95 | $186 |
| Allstate | $105 | $208 |
| GEICO | $119 | $229 |
| American Family | $122 | $238 |
| Nationwide | $150 | $285 |
| Travelers | $158 | $300 |
| Progressive | $175 | $245 |
| Farmers | $188 | $362 |
| Liberty Mutual | $300 | $393 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Lexus ES 350 insurance
A 2023 Lexus ES 350 had a starting MSRP of $42,490. The model has slightly cheaper rates than the two newest models. The following table compares the average monthly rates among auto insurers.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $70 | $134 |
| State Farm | $83 | $161 |
| Allstate | $91 | $179 |
| GEICO | $103 | $198 |
| American Family | $105 | $206 |
| Nationwide | $130 | $246 |
| Travelers | $137 | $260 |
| Progressive | $151 | $212 |
| Farmers | $162 | $313 |
| Liberty Mutual | $259 | $340 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Lexus ES 350 insurance
The 2022 Lexus ES 350 had a starting cost of $40,800. The following table outlines the average monthly quotes for different insurers so you can find the cheapest insurance rates for your Lexus.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $70 | $134 |
| State Farm | $83 | $161 |
| Allstate | $91 | $180 |
| GEICO | $103 | $199 |
| American Family | $105 | $207 |
| Nationwide | $130 | $247 |
| Travelers | $137 | $261 |
| Progressive | $151 | $212 |
| Farmers | $162 | $314 |
| Liberty Mutual | $259 | $341 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2021 Lexus ES 350 insurance
A popular model, the 2021 Lexus ES 350 had an original MSRP of $40,000. This vehicle model has depreciated 35% in the last three years, according to Kelley Blue Book (KBB). Depreciation can affect its resale value.[2]
Below, you can compare average quotes for Lexus ES 350 car insurance from different insurers.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $72 | $138 |
| State Farm | $85 | $166 |
| Allstate | $94 | $185 |
| GEICO | $106 | $205 |
| American Family | $109 | $213 |
| Nationwide | $134 | $255 |
| Travelers | $141 | $268 |
| Progressive | $156 | $219 |
| Farmers | $167 | $324 |
| Liberty Mutual | $267 | $352 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Lexus ES 350 insurance
A 2020 Lexus ES 350 had an original MSRP of $39,900. Drivers generally pay less to insure a 2020 model than more recent vehicles. Check out the table below to discover which insurers offer the lowest monthly rates.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $60 | $115 |
| State Farm | $71 | $138 |
| Allstate | $78 | $154 |
| GEICO | $88 | $171 |
| American Family | $90 | $177 |
| Nationwide | $111 | $212 |
| Travelers | $117 | $224 |
| Progressive | $129 | $182 |
| Farmers | $139 | $270 |
| Liberty Mutual | $222 | $293 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Lexus ES 350 insurance
The 2019 Lexus ES 350 has an original MSRP of $40,775. Lexus made several upgrades to this model year, offering the F-Sport trim level and Apple CarPlay for the first time. These upgrades may contribute to the 2019 model’s higher monthly car insurance rates.
Compare average quotes for the 2019 Lexus ES 350 from several different insurance companies.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $66 | $126 |
| State Farm | $78 | $152 |
| Allstate | $86 | $169 |
| GEICO | $97 | $187 |
| American Family | $99 | $195 |
| Nationwide | $122 | $233 |
| Travelers | $129 | $245 |
| Progressive | $142 | $200 |
| Farmers | $153 | $296 |
| Liberty Mutual | $245 | $321 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Lexus ES 350 insurance
The 2018 Lexus ES 350 had a starting MSRP of $39,975. Below, you can compare the average monthly quotes for this model year.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $61 | $117 |
| State Farm | $72 | $140 |
| Allstate | $79 | $156 |
| GEICO | $89 | $173 |
| American Family | $92 | $180 |
| Nationwide | $113 | $215 |
| Travelers | $119 | $226 |
| Progressive | $131 | $184 |
| Farmers | $141 | $273 |
| Liberty Mutual | $225 | $296 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Lexus ES 350 insurance
The 2017 Lexus ES 350 had an original MSRP of $39,895. Lexus included several new safety features in this model, including a Pre-Collision System and Lane Departure Alert with Steering Assist. Check out the table below for the top quotes from different car insurance companies.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $62 | $119 |
| State Farm | $73 | $143 |
| Allstate | $81 | $160 |
| GEICO | $91 | $177 |
| American Family | $94 | $184 |
| Nationwide | $115 | $219 |
| Travelers | $121 | $231 |
| Progressive | $134 | $188 |
| Farmers | $144 | $279 |
| Liberty Mutual | $230 | $303 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Lexus ES 350 insurance
The 2016 Lexus ES 350 had an original MSRP of $39,050. This model lacks many updated technology features but provides a smooth ride at a much lower price point. The table below can help you find affordable car insurance coverage for this model year.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $60 | $115 |
| State Farm | $71 | $138 |
| Allstate | $79 | $154 |
| GEICO | $88 | $171 |
| American Family | $91 | $177 |
| Nationwide | $112 | $212 |
| Travelers | $118 | $224 |
| Progressive | $130 | $182 |
| Farmers | $140 | $270 |
| Liberty Mutual | $224 | $293 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost of Lexus insurance by state
The state you live in affects your auto insurance costs significantly due to factors like local accident rates, crime, and common weather hazards. Urban areas typically have higher car insurance costs than rural areas due to increased traffic and claims frequency.[3]
The following table shows the average monthly quotes for different states.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $150 |
| Arizona | $183 |
| Arkansas | $269 |
| California | $253 |
| Colorado | $231 |
| Connecticut | $352 |
| Delaware | $259 |
| Florida | $242 |
| Georgia | $262 |
| Idaho | $132 |
| Illinois | $179 |
| Indiana | $152 |
| Iowa | $127 |
| Kansas | $173 |
| Kentucky | $228 |
| Louisiana | $233 |
| Maine | $158 |
| Maryland | $356 |
| Massachusetts | $187 |
| Michigan | $291 |
| Minnesota | $205 |
| Mississippi | $218 |
| Missouri | $203 |
| Montana | $174 |
| Nebraska | $184 |
| Nevada | $295 |
| New Hampshire | $119 |
| New Jersey | $187 |
| New Mexico | $167 |
| New York | $495 |
| North Carolina | $98 |
| North Dakota | $144 |
| Ohio | $136 |
| Oklahoma | $187 |
| Oregon | $169 |
| Pennsylvania | $182 |
| Rhode Island | $155 |
| South Carolina | $283 |
| South Dakota | $136 |
| Tennessee | $157 |
| Texas | $248 |
| Utah | $192 |
| Vermont | $159 |
| Virginia | $202 |
| Washington | $168 |
| District of Columbia | $361 |
| West Virginia | $165 |
| Wisconsin | $139 |
| Wyoming | $125 |
Compare Lexus Car Insurance Quotes
Insurify partners with top insurers for real quotes
Excellent
4.7 out of 5 based on 17,038 reviews
Secure. Free. Easy-to-use.
How to ensure you have enough coverage on your Lexus ES 350
When purchasing auto insurance for your Lexus ES 350, you should consider your vehicle’s value and how often you drive it. All drivers must meet the state minimum liability requirements, but it’s a good idea to purchase more coverage for your luxury Lexus vehicle.
Here are five coverage options to consider to protect your vehicle:
Liability coverage
Liability insurance includes bodily injury liability and property damage liability coverage. It pays for the other driver’s medical bills and car repairs following an accident you cause. But it doesn’t pay for your medical bills or damages to your car.
Comprehensive coverage
Comprehensive insurance pays for non-collision-related damages to your Lexus. It can provide protection from theft, vandalism, or storm damage.
Collision coverage
Collision insurance covers damages to your vehicle stemming from an accident with another car, regardless of fault. It’ll also pay to repair or replace your vehicle if you hit a stationary object, like a tree or pole. This coverage also pays for damages caused by hitting a pothole.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages to your car if an uninsured or underinsured driver hits you. Despite state laws requiring insurance, one study found that roughly one in seven drivers is uninsured. This insurance protects you from unnecessary risk.[4]
Gap coverage
If you have an auto loan on your Lexus ES 350, it’s a good idea to consider purchasing gap insurance. If an accident totals your car, gap insurance pays off the remainder of your loan balance, even if you owe more than your vehicle is currently worth.
As you’re researching different companies in the auto insurance industry, receiving quotes from multiple insurers can help you find the best pricing and coverage. Taking advantage of home insurance discounts for things like lower mileage or bundling policies can help you cut down on the cost. Make sure you understand the policy terms and claims process before enrolling in coverage.
Lexus ES 350 car insurance FAQs
The following information can help answer your remaining questions about finding car insurance for your Lexus ES 350.
Which company has the cheapest Lexus ES 350 insurance?
USAA is the cheapest insurer for a Lexus ES 350, with an average monthly rate of $50 for liability coverage and $104 for full coverage. But USAA is only available to veterans, active-duty military members, and their families. State Farm, Allstate, and GEICO also offer affordable monthly rates.
Are Lexus ES 350s expensive to insure?
A Lexus is more expensive to insure than non-luxury vehicles but cheaper than other luxury vehicle models from BMW and Mercedes-Benz. How much you pay for coverage will ultimately depend on your driving record, vehicle specifics, age, and ZIP code.
How much does it cost to insure a Lexus ES 350?
The overall average cost to insure a Lexus ES 350 is $155 per month. By coverage level, the average cost is $108 for liability coverage and $203 for full coverage. This policy costs slightly less than insuring some other Lexus models, including the Lexus RC, IS, and GS.
What is the average life of a Lexus ES 350?
The Lexus ES 350 is a reliable vehicle. A well-maintained ES 350 vehicle can last anywhere from 220,000 to 250,000 miles. You can potentially extend the lifespan of your car by getting regular oil changes, fluid flushes, and performing diagnostic checks.
Sources
- Lexus. "The 2025 ES."
- Kelley Blue Book. "2021 Lexus ES Depreciation."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Background on: Compulsory Auto/Uninsured Motorists."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in