Lexus ES 350 Car Insurance Quotes (2025)
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.
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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.[?]
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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
Below, you can compare average quotes for Lexus ES 350 car insurance from different insurers.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
The following table shows the average monthly quotes for different states.
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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:
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.
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.
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.
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.
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.
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