Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs approximately $198 a year, collision costs $300, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,442. 16-year-old drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details estimated Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save $1,016 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,130
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,350
• Unlucky drivers with multiple tickets or accidents could pay around $2,442 or more
• The price for full coverage for a teen driver can cost $4,462 each year

Insurance prices for a Lexus IS 350 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,530 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles can save as much as $340 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Lexus IS 350 Insurance

Getting lower rates on car insurance takes having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick review of the data touched on above.

• Policyholders who purchase additional liability coverage will pay around $520 every year to raise limits from a low limit to 250/500 limits
• You may be able to save around $130 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $325 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $372 a month for full coverage