+120 more*These quotes are from Compare.com users within the last 10 days. Updated on October 28, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on October 28, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Updated
The average cost to insure a Lexus ES 350 is $166 per month, which is close to the national average of all vehicles, at $163 per month.
USAA offers the lowest ES 350 rates, at $88 per month.
Despite being a luxury sedan, the ES 350’s lower price and strong safety features help keep premiums affordable.
Insurance costs for the Lexus ES 350 depend on the coverage type you pick. Liability-only insurance covers damage or injuries you cause to others, but it won’t cover you or your vehicle.
Full coverage costs more but adds collision and comprehensive coverage. Collision insurance covers your repairs after a crash. Comprehensive insurance covers things like theft, vandalism, and weather damage.
Check out the table below to find out how the Lexus ES 350’s average rates compare with the average for all other vehicles, according to Compare.com data.
Vehicle | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Lexus ES 350 | $119 | $213 | $166 |
| All vehicles | $113 | $212 | $163 |
ES 350 drivers pay about $119 per month for liability coverage and $213 for full coverage. Both are almost the same as the average rates for all vehicles.
Now, let’s take a look at how factors like your age, driving history, and where you live affect the cost of car insurance.
Compare personalized quotes from 100+ top insurers.
Auto insurance rates for the Lexus ES 350 can vary significantly between insurers — even for the same coverage. Comparing car insurance quotes from multiple companies can help you get the coverage you need at the best price.
The table below shows some of the cheapest companies for Lexus ES 350 insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| GEICO | $136 |
| AAA | $149 |
| American Family | $132 |
| Progressive | $164 |
| Nationwide | $160 |
| Travelers | $167 |
| Farmers | $190 |
| Liberty Mutual | $226 |
| Amica | $426 |
The cheapest company is USAA, with an average premium of $88 per month. That’s about 47% cheaper than the overall monthly average of $166 for the Lexus ES 350.
Below, we take a closer look at the three cheapest insurance companies and why they’re strong contenders for ES 350 owners.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.7 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers military members and their families some of the most affordable rates for the Lexus ES 350. The insurer even has military-specific savings, like discounts for parking your Lexus on base. Safe driving can also save you money with the SafePilot telematics program. And if you don’t drive often, check out the SafePilot Miles pay-per-mile insurance plan.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers one of the highest multi-policy discounts around. So if you bundle your renters or home insurance, you could save big. It also offers up to 20% in additional savings when you insure more than one vehicle. And if you drive for a rideshare service, you can also protect yourself between trips with rideshare coverage.
24/7 claims support
Rideshare coverage available
Multi-policy savings
Limited coverage options
Poor Trustpilot rating[3]
Gap insurance not available
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate makes customizing your policy easy, with optional coverages like rideshare and gap insurance. You can manage your insurance policy in the app, which can also help you find cheap gas nearby, detect crashes, and receive data breach notifications.
Plus, Allstate is one of the few insurers offering extended warranty coverage that picks up where your Lexus warranty leaves off.
The 2025 ES 350 is a luxury sedan with a starting price of $43,435, and insurance costs are close to the national average. But if you have an older ES 350, you’ll pay less to insure it. That’s because older vehicles generally cost less to repair or replace, so your insurer lowers your premium accordingly.
Take a look at average monthly premiums for different ES model years, based on Compare.com data.
ES 350 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $201 |
| 2024 | $201 |
| 2023 | $200 |
| 2022 | $200 |
| 2021 | $193 |
| 2020 | $184 |
| 2019 | $181 |
| 2018 | $174 |
| 2017 | $171 |
| 2016 | $166 |
| 2015 | $162 |
| 2014 | $160 |
| 2013 | $152 |
| 2012 | $147 |
| 2011 | $144 |
| 2010 | $141 |
| 2009 | $136 |
| 2008 | $135 |
| 2007 | $132 |
| 2006 | $131 |
| 2005 | $127 |
| 2004 | $124 |
| 2003 | $123 |
| 2002 | $124 |
| 2001 | $124 |
| 2000 | $122 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $150 |
| GEICO | $164 |
| AAA | $180 |
| American Family | $159 |
| Progressive | $198 |
| Nationwide | $193 |
| Travelers | $202 |
| Farmers | $230 |
| Liberty Mutual | $273 |
| Amica | $515 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $150 |
| GEICO | $164 |
| AAA | $180 |
| American Family | $159 |
| Progressive | $198 |
| Nationwide | $193 |
| Travelers | $202 |
| Farmers | $230 |
| Liberty Mutual | $273 |
| Amica | $515 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $149 |
| GEICO | $164 |
| AAA | $179 |
| American Family | $159 |
| Progressive | $197 |
| Nationwide | $193 |
| Travelers | $201 |
| Farmers | $229 |
| Liberty Mutual | $272 |
| Amica | $513 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $149 |
| GEICO | $164 |
| AAA | $179 |
| American Family | $159 |
| Progressive | $197 |
| Nationwide | $193 |
| Travelers | $201 |
| Farmers | $229 |
| Liberty Mutual | $272 |
| Amica | $513 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $113 |
| Allstate | $144 |
| GEICO | $158 |
| AAA | $173 |
| American Family | $154 |
| Progressive | $191 |
| Nationwide | $186 |
| Travelers | $194 |
| Farmers | $221 |
| Liberty Mutual | $263 |
| Amica | $496 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| GEICO | $151 |
| AAA | $165 |
| American Family | $147 |
| Progressive | $182 |
| Nationwide | $178 |
| Travelers | $185 |
| Farmers | $211 |
| Liberty Mutual | $251 |
| Amica | $473 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $106 |
| Allstate | $135 |
| GEICO | $148 |
| AAA | $162 |
| American Family | $144 |
| Progressive | $178 |
| Nationwide | $174 |
| Travelers | $182 |
| Farmers | $207 |
| Liberty Mutual | $246 |
| Amica | $463 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| Allstate | $130 |
| GEICO | $142 |
| AAA | $156 |
| American Family | $138 |
| Progressive | $172 |
| Nationwide | $168 |
| Travelers | $175 |
| Farmers | $199 |
| Liberty Mutual | $237 |
| Amica | $446 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $128 |
| GEICO | $140 |
| AAA | $153 |
| American Family | $136 |
| Progressive | $169 |
| Nationwide | $165 |
| Travelers | $172 |
| Farmers | $196 |
| Liberty Mutual | $233 |
| Amica | $439 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| GEICO | $136 |
| AAA | $149 |
| American Family | $132 |
| Progressive | $164 |
| Nationwide | $160 |
| Travelers | $167 |
| Farmers | $190 |
| Liberty Mutual | $226 |
| Amica | $425 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $121 |
| GEICO | $133 |
| AAA | $145 |
| American Family | $129 |
| Progressive | $160 |
| Nationwide | $156 |
| Travelers | $163 |
| Farmers | $185 |
| Liberty Mutual | $221 |
| Amica | $416 |
In most states, your ZIP code can affect what you pay for coverage. Densely populated areas often face higher premiums due to increased traffic, theft rates, and repair costs. But states with fewer claims or lower medical costs tend to have more affordable rates.[6]
Check out the map below, which shows average Lexus ES 350 insurance costs by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $137 |
| Arkansas | $158 |
| Arizona | $146 |
| California | $178 |
| Colorado | $178 |
| Connecticut | $247 |
| Delaware | $207 |
| Florida | $193 |
| Georgia | $221 |
| Hawaii | $110 |
| Iowa | $93 |
| Idaho | $91 |
| Illinois | $138 |
| Indiana | $113 |
| Kansas | $129 |
| Kentucky | $172 |
| Louisiana | $186 |
| Massachusetts | $131 |
| Maryland | $263 |
| Maine | $121 |
| Michigan | $200 |
| Minnesota | $151 |
| Missouri | $158 |
| Mississippi | $131 |
| Montana | $130 |
| North Carolina | $77 |
| North Dakota | $101 |
| Nebraska | $125 |
| New Hampshire | $76 |
| New Jersey | $234 |
| New Mexico | $126 |
| Nevada | $220 |
| New York | $191 |
| Ohio | $107 |
| Oklahoma | $149 |
| Oregon | $132 |
| Pennsylvania | $140 |
| Rhode Island | $191 |
| South Carolina | $212 |
| South Dakota | $120 |
| Tennessee | $124 |
| Texas | $190 |
| Utah | $130 |
| Virginia | $155 |
| Vermont | $124 |
| Washington | $147 |
| District of Columbia | $273 |
| Wisconsin | $105 |
| West Virginia | $128 |
| Wyoming | $98 |
Driving experience — or the lack thereof — is a good indicator of crash risk. Teen drivers are nearly three times more likely to be involved in a fatal crash than older, more experienced drivers.[7] Experienced adults and senior drivers often pay lower rates because of lower crash risks and safer driving habits.
The table below illustrates the cost differences by age group for ES 350 drivers, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $319 |
| Adults | $166 |
| Seniors | $143 |
Young drivers typically pay more for Lexus ES 350 insurance due to their lack of experience and risky driving behaviors. Teens and young adult drivers are more likely to skip wearing a seat belt, text while driving, and speed.[8]
Here’s how average monthly ES premiums for teens and young drivers compare across top insurers, based on our data.
Category | Price |
|---|---|
| USAA | $141 |
| State Farm | $155 |
| Allstate | $198 |
| American Family | $211 |
| GEICO | $218 |
Many seniors pay less for Lexus ES 350 insurance because they drive fewer miles and file fewer claims. Drivers in their 60s and 70s have some of the lowest crash rates thanks to safer vehicles and cautious driving habits.[9]
Here’s what average rates from top insurers look like for senior ES 350 drivers, according to our data.
Category | Price |
|---|---|
| USAA | $75 |
| State Farm | $82 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $116 |
Some car insurance rating factors are beyond your control, like traffic congestion in your area. But your driving record is a significant factor in your car insurance premiums.
Good drivers with clean records typically pay lower rates than drivers with tickets, accidents, or DUIs. Those infractions signal to insurers that you’re a higher-risk driver, so they charge more to offset possible future claims.
But you still may be able to find competitive insurance for your ES 350 from one of many insurers that tailor coverage to high-risk drivers. Here’s a look at average monthly premiums by driving record for Lexus ES 350 drivers, according to Compare.com.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $166 |
| Speeding ticket | $222 |
| At-fault accident | $237 |
| DUI | $279 |
The data above shows that premiums rise the most after serious violations like a DUI. Maintaining a clean record can save you hundreds each year.
Speed-related crashes resulted in nearly 12,000 deaths and 333,000 injuries in 2023, according to the National Highway Traffic Safety Administration (NHTSA).[10] Insurers know speeding increases your risk of crashing, so they increase premiums for drivers with speeding tickets.
Here’s how average monthly premiums for Lexus ES 350 drivers with a speeding ticket compare across major insurance companies, based on our data.
Category | Price |
|---|---|
| USAA | $113 |
| State Farm | $121 |
| Allstate | $161 |
| American Family | $172 |
| GEICO | $182 |
If you’re at fault in an accident, you can expect your insurance costs to go up because companies will see you as a higher risk. Premiums jump by about 33% after an at-fault accident, our data shows.
Most companies reassess your rates after any claim above a certain dollar amount, and the increase usually sticks around for roughly three years, according to the Insurance Information Institute.[11]
Here’s what ES 350 drivers with an at-fault accident on their record pay for coverage, based on our data.
Category | Price |
|---|---|
| USAA | $115 |
| State Farm | $124 |
| Allstate | $161 |
| GEICO | $164 |
| American Family | $172 |
Alcohol seriously impairs driving ability — with a blood alcohol content (BAC) of .08, you’re four times more likely to crash than a fully sober driver.[12] Insurers see DUIs as a major red flag and adjust premiums accordingly.
In most states, you’ll need your insurer to file an SR-22 or FR-44 certificate of financial responsibility to get your license back.
Here’s a look at average monthly premiums for Lexus ES 350 drivers with a DUI, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $129 |
| State Farm | $142 |
| Allstate | $181 |
| GEICO | $186 |
| American Family | $193 |
Here’s a look at some factors that affect your ES 350 insurance costs:
Vehicle value: Luxury vehicles like the Lexus typically cost more to insure. But the ES 350 is one of the most affordable Lexus models, which keeps average premiums close to other brands.
Trim level: Higher trim levels like the ES 350 F Sport and Ultra Luxury come with a more expensive price tag and premium parts, which increase insurance claims payouts and premiums.
Safety features and ratings: The ES 350 is an Insurance Institute for Highway Safety (IIHS) Top Safety Pick and has a 5-star NHTSA rating.[13] [14] Good safety ratings and standard tech like automatic emergency braking and blind-spot monitoring help lower your rates.
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You don’t have to overspend to insure your Lexus ES 350. Here are a few tips to help you save on your insurance coverage:
Avoid tickets and accidents. Keeping a clean driving record helps you land the best rates.
Maintain good credit. Insurers may use your credit history to determine your rate. Improving your credit can help lower your insurance premiums.
Ask about discounts. Car insurance discounts can vary by company, so ask what’s available and take advantage of as many as you qualify for.
Buy an older model. Though it’s nice to have a new vehicle, newer cars are worth more and tend to cost more to insure. You may only need minimum coverage for an older model if you can afford to repair or replace it yourself.
Shop around. Compare rates from at least three different companies to make sure you get the best price for your coverage.
Get the right coverage for your ES 350 at the best price.
If you own a Lexus ES 350, you probably have questions about what affects your insurance costs and how to get the best rates. Here are answers to some common questions from drivers to help you find the right coverage for your luxury sedan.
Not typically. The Lexus ES 350 is affordable to insure, with average rates that are comparable to national averages for all vehicles. On average, insurance for the ES 350 costs $166 per month, while the national average for all vehicles is $163 per month, according to Compare.com data.
USAA offers the cheapest insurance for a Lexus ES 350, with an average monthly rate of $88, according to Compare.com data. But if you’re not a member of the military community or a family member of one, you won’t qualify for USAA insurance. State Farm and Allstate are other cheap options for ES 350 drivers, with monthly rates averaging $97 and $124, respectively.
Car insurance for the 2025 Lexus ES 350 costs an average of $166 per month, according to Compare.com data. Full coverage for the 2025 model averages $213 per month, and liability coverage costs $119 per month.
The Lexus RX is the cheapest Lexus model to insure. Rates for the RX average $150 per month, according to Compare.com data.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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