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for the Lexus ES

Are You Getting the Cheapest Car Insurance Available for a Lexus ES?

Illustration of Lexus ES

How Much Is Car Insurance for the Lexus ES?

As with any vehicle in any state across the U.S., you need auto insurance to drive legally. For your Lexus, how much you’ll pay in monthly premiums depends on which version you’ve got. If you drive the standard ES model, expect to pay around $1,212 per year for minimum liability insurance and around $2,376 annually if you choose full coverage. The average minimum for the upgraded ES 350 model, which has more features than the standard version, generally costs around $1,068 per month, while the annual full coverage premium for this model is around $2,580.

At Freeway Insurance, we offer affordable car insurance that fits your needs and budget. We can help you find the right policy at the best possible price.

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Comparing Insurance Costs for the Lexus ES to Other Vehicles

Annual full coverage for a standard ES model costs slightly less than similar mid-size, luxury sedans, like those in the Mercedes-Benz E class, the Audi A6, and the Acura TLX. While the cost of full coverage for the ES 350 model matches or slightly exceeds some similar models, the amount is competitive compared to more expensive sedans in this category, like the Jaguar XF. Even though all these vehicles are similar in look and style, several factors determine how much you’ll have to pay to insure one, including make, model, year, repair costs, and safety features.

Make/Model Annual Full Coverage Insurance
Lexus ES $2,376
Lexus ES 350 $2,580
Acura TLX $2,580
Mercedes-Benz E Class $2,544
Volvo S90 $3,096
Audi A6 $2,532
BMW 3 Series $2,460
Volkswagen Arteon $3,072
Jaguar XF $2,604

Types of Car Insurance Coverage for a Luxury Sedan

All drivers must carry some form of auto insurance when they’re on the road. Minimum liability policies are designed to meet the basic requirements outlined by the state you live and drive in. Full coverage includes liability insurance along with additional coverage in case of theft or damage.

If you back into another vehicle and cause damage to your rear fender, your minimum liability will help pay for their repairs under the property damage portion. However, your policy will not pay for your repairs unless you are carrying collision coverage, either as a stand-alone or as part of a full coverage policy.

Quote averages for either form of auto policy help give you an idea of how much you’ll have to pay monthly. You should keep in mind that, ultimately, your rate will depend on several factors, including your driving history, age, and coverage choice.

Full Coverage

When you have a full coverage auto insurance policy, you get liability protection along with comprehensive and collision coverage. This protects you financially if you ever cause a crash while driving your Lexus ES or if it gets vandalized, stolen or damaged by weather.

Liability protection takes care of any damage and injury claims filed by other parties in a crash you cause. Collision covers repairs or replaces your ES if it’s damaged in any kind of accident, while comprehensive coverage takes care of damages if your car gets vandalized or is damaged during a storm or any other weather event.

State Minimum Liability

All states require minimum liability coverage. This ensures that every driver is responsible for the crash they cause and any damages that result.

At a minimum, this basic liability covers damages involving bodily injury caused to those involved in the accident and to property.

Coverage requirements vary by state. North Carolina, for example, has a minimum requirement of $30,000 for one person who is physically hurt or dies and $60,000 for two or more people who sustain injuries or die in an accident you cause. The state also requires that your policy include $25,000 to cover property damages you cause.

Individual Factors That Influence Pricing for the Lexus ES

Several factors influence the cost of coverage. Here’s a closer look at some of them.

Loss Probability

Crashes and car thefts tend to happen in some areas more than others, and these incidents lead to claims. Insurance agencies research these patterns, calculate loss probability — typically by zip code — to help determine your premiums. You’ll likely pay more to insure your sedan if you live in an urban area where accidents happen more frequently than in a suburban neighborhood that’s less congested.

Vehicle Safety Features and Ratings

All models of the Lexus ES are equipped with the Lexus Safety System, which includes pre-collision and pedestrian detection, lane departure alerts with steering and road sign assist, and an all-speed dynamic cruise control function that lowers your vehicle speed as needed. In 2018, the ES received a five-star rating from the National Highway Traffic Safety Administration. Ratings for more recent model years are not available. These safety measures will help decrease your premium.

Vehicle Value

Vehicles depreciate — or lose value — with time and use. As the odometer’s mileage grows and years pass, the coverage rate may drop a bit, but that’s not always the case for every car. If parts needed for repairs are harder to find or certain safety features are lacking, older model cars may cost a little more to insure.

2023 Silver Lexus ES 300h

How Does a DUI Affect Insurance Rates for Your Lexus?

Being convicted of driving under the influence of drugs or alcohol will send your monthly premiums skyrocketing, regardless of the vehicle you drive.

If you’re caught, charged, and convicted of a DUI, your insurer will consider you a high-risk driver for at least three years — and probably more. Many drivers see their premiums double or even triple. You may also be required by your state to file an SR-22 certificate.

Some carriers will not sell insurance to those with an SR-22 requirement. You may need to shop around to find one that offers cheap DUI solutions.

What Are Some Car Insurance Discounts for Luxury Sedans?

Insurance companies reward good drivers for staying vigilant on the road and maintaining a spotless record. These discounts reduce annual premiums by around 10% to 30% on average.

When it comes to buying insurance, loyalty pays off. Drivers who bundle two or more coverage plans into a single policy get rewarded, too. Multi-policy premiums usually include a discount of around 5% to 25%.

Other discounts you may also be eligible for include:

  • A 10% to 15% new car discount if your Lexus ES is less than three years old.
  • A vehicle safety discount of up to 40% thanks to the built-in safety features the ES has, like its low-light pedestrian and daytime bicyclist detection capabilities.
  • A 5% to 25% discount if your Lexus ES is equipped with anti-theft features, like a stolen vehicle recovery system or a VIN etching, the engraving of the vehicle’s identification number usually found on the driver’s side dashboard.

To find out what discounts you qualify for, contact your agent at least twice a year.

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What Are Some of the Characteristics of the Lexus ES?

First generation models reached car showrooms in 1989. The ES is among the most popular models produced by Lexus, which is Toyota’s luxury division. While its $43,190 price tag might make some car shoppers want to consider other options, many of them appreciate the quality details and safety features of this coup-like executive sedan.

Shoppers have a broad choice of trims and powertrain options. They can choose between a four-cylinder, a V-6, or a four-cylinder hybrid engine, which has been touted for its excellent fuel economy. Some models are available in all-wheel drive and include a sunroof.

Find the Best Car Insurance Rates Online for the Lexus ES Today

Freeway Insurance can help you get the best coverage for your Lexus ES at a great rate. Speak with one of our agents today to find a policy that fits your needs.

We can hook you up with the cheapest policy for your Lexus ES so you and your family are protected. Call us at (800) 777-5620, come get a fast and free quote for car insurance online or stop by one of our locations.

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