Lexus ES Insurance

(And how to get the lowest premiums)

Written by Rachel Morey
Written by Rachel Morey

Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.

Reviewed by Greg Safford
Reviewed by Greg Safford

Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.

Lexus ES

The Lexus ES 350 is a luxury sedan that's ideal for small families and those who want a mid-size car that delivers the level of comfort and performance that makes driving a pleasure. If you want the best possible car insurance rate and coverage tailored to your individual needs, it's crucial to understand what goes into building an ideal policy. An independent insurance agent can help you get the ideal combination of coverage and value. Not sure where to look? 

You can use a find-an-agent tool here that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Lexus ES. 

What Kind of Insurance Do You Need for Your Lexus ES Insurance?

Bodily injury liability: If you cause an accident and someone else is hurt, bodily injury liability will cover the associated costs up to the limits of the policy. 

Property damage liability: With property damage liability, you are covered for damage you cause to someone else's building, vehicle, or home. In many states, there are laws about how much property damage liability policy you need. It's smart to buy more than the minimum amount since you'll be personally responsible for the costs that exceed your policy's limits. 

Medical payments/Personal injury protection: Medical costs that occur as a result of an accident may be covered by medical payments or personal injury protection insurance for you and your passengers. This type of policy could cover ambulance bills, doctor visits, pain medication, and even funeral expenses. 

Uninsured motorist coverage: Even if you have the right amount and types of insurance, drivers around you may not be covered. It's illegal to drive without auto insurance in many places, but people still get in accidents without enough insurance coverage. Uninsured and underinsured motorist insurance protects you from coming up short when you need to rely on someone else's insurance to cover the costs of an accident they caused.

Optional Coverage:

Collision: Your insurance company will fix or replace your Lexus ES if you are hit an object or are in an accident with another car. You'll pay the deductible first. If your Lexus is more than ten years old, collision coverage may not make sense. Your agent can help you understand the pros and cons of carrying this type of insurance coverage. 

Comprehensive: Costs associated with an accident not covered by your collision coverage may be covered by a comprehensive policy. If your Lexus is vandalized or you hit an animal, comprehensive coverage pays to fix or replace your vehicle, minus your deductible, up to the car's fair market value. 

Glass Coverage: Replacing your sedan's windshield is an expensive endeavor, and it's a lot less painful if you have a zero-deductible glass coverage insurance policy. Your agent can help you understand how glass coverage works. It typically costs just a few dollars each month. 

Gap Insurance: If you don't have gap coverage, you'll be financially responsible for the difference between your car's fair market value and the total amount of your loan or lease if you are in an accident that totals your vehicle. Your insurance company won't automatically cover the amount you owe, so gap insurance is a nice safety net. 

What Affects the Cost of Insurance for Your Lexus ES?

Annual mileage: Driving your Lexus ES more than 10,000 to 15,000 miles per year could mean you'll pay a slightly higher premium than drivers who put fewer miles on their car. 

Your driving record: Drivers who don't have a moving violation or at-fault accident on their record could save as much as 40% on their Lexus ES insurance premiums. 

The value of your vehicle: The Lexus ES is a luxury sedan, which means it has a higher value than many other vehicles on the road. As a result of the higher price, insurance claims could be more expensive for insurance companies. 

Average Lexus ES Insurance Insurance Costs

There are many factors that insurance companies use to calculate your Lexus ES quote. You'll need a quote based on your driving record, age, vehicle specs, and location. Although the average 40-year-old Lexus ES driver pays $1,470 per year, your deductible, age, and whether you've caused an accident in the past could mean the average price will be higher than average annual premium. 


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The Safety of Your Lexus ES Insurance

The NHTSA gave the 2020 Lexus ES an overall five-star safety rating. The IIHS gave it a "good" rating in nearly every crash-test category. 

Modern vehicles typically have a high rating from these two organizations. The safety features that come with the Lexus ES trim level you choose can also help reduce your insurance rates. 

Starting with the 2020 model year, the Lexus Safety System Plus suite of safety features comes standard on every Lexus vehicle. 

Lexus Safety System Plus:

  • Front crash prevention with auto emergency braking
  • Lane departure warning
  • Automatic high beams
  • Adaptive cruise control

How Location Affects Your Lexus ES Insurance 

Lexus ES drivers who live in a densely populated area pay more on average than those who live in rural areas. 

Average annual rate for Lexus ES 350 insurance
Los Angeles $2,514
New York City $2,322
Houston $2,604
Jacksonville $2,132
Philadelphia $1,963
Chicago $1,973
Phoenix $1,705
Seattle $1,429
Indianapolis $1,252
Columbus $1,225

Additional Factors That Affect Your Lexus ES Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Lexus ES 

Average annual cost to insure a Lexus ES with full coverage:  $1,470
Teens: $5,244
High-Risk drivers: $3,176
High Deductibles: $1,240
Low Deductibles: $1,920
Top 3 most expensive states for Lexus ES Insurance insurance:
Missouri, New Hampshire, Vermont $1,130
Top 3 most affordable states for Lexus ES Insurance insurance: 
Michigan, New York, Louisiana $2,100

Top Independent Insurance Carriers That Insure the Lexus ES 

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers

Insurance companies use their own criteria to determine insurance rates. Your independent insurance agent can help you find a company that's a good match for your age, driving record, vehicle type, and driving habits. 

Get a Lexus ES Insurance Quote

Reach out to a agent today to get a quote for insurance on your Lexus ES. An independent insurance agent can shop dozens of insurance companies, so you'll get the most value with the right type of auto insurance.

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IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver