Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $300, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,442 or more. 16-year-old drivers receive the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on insurance prices.

These examples highlight why everyone should get quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below breaks down average Lexus IS 350 insurance rates for other coverage scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save approximately $114 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,130
• Buying pricier low deductibles for comp and collision coverage will cost an additional $220 a year
• High-risk insureds with multiple tickets or accidents could pay up to $2,442
• The cost that insures a teen driver for full coverage can cost as much as $4,462 each year

Insurance rates for a Lexus IS 350 can also vary considerably based on the model of your IS 350, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,300 to $1,900 extra per year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,610 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles can save as much as $340 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

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 Affordable Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance takes having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a brief review of the material that was covered in the above illustrations.

• Drivers who want increased levels of liability coverage will pay around $520 per year to raise limits from a minimum limit to the 250/500 level
• Drivers age 20 and younger are charged the highest rates, as much as $372 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,310 more annually to buy Lexus IS 350 insurance
• Increasing deductibles can save approximately $325 each year