Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,176 a year including full coverage. Comprehensive costs approximately $212, collision costs $328, and liability is $478. Buying just liability costs around $526 a year, with insurance for high-risk drivers costing around $2,544. Teen drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $697
• Raising to $1,000 deductibles will save $122 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,176
• Choosing more expensive low deductibles bumps up the cost to $1,414
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,544 or more
• The cost that insures a teen driver with full coverage can cost $4,614

Auto insurance rates for a Lexus IS 350 can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,680 on average in Louisiana, New York, and Michigan.

Choosing high deductibles can reduce rates by up to $360 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.

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 Low Cost Lexus IS 350 Insurance

Saving money on car insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Shop around at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following items are a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations will likely pay on average $1,370 more per year than a driver with a clean driving record
• You may be able to save around $140 per year simply by shopping early and online
• Increasing deductibles can save approximately $350 each year
• Policyholders who purchase additional liability coverage will pay about $530 per year to raise from a minimum limit to the 250/500 level