Lexus IS 350 4-Dr Sedan Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 4-Dr Sedan are $1,602 annually including full coverage. Comprehensive costs approximately $382, collision costs $698, and liability costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing around $3,460. Teen drivers pay the highest rates at $5,774 a year or more.

Annual premium for full coverage: $1,602

Price estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lexus IS 350 Trim Level

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

These price ranges highlight why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance rates for a Lexus IS 350 4-Dr Sedan are also quite variable based on the actual cash value of your IS 350, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,500 extra each year, depending on your age. Lexus IS 350 4-Dr Sedan insurance for high-risk drivers can be from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $730 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus IS 350 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so the rates may be quite different between companies.

View Chart as Image

The chart above shows average Lexus IS 350 4-Dr Sedan insurance prices for different situations. The cheapest discount price is $907. Drivers who choose higher $1,000 deductibles will pay about $1,356. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,602. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $2,080. High risk drivers could be charged at least $3,460. The rate for full coverage insurance for a teenager can be as high as $5,774.

View Chart as Image