Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually with full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $300, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,442 or more. 16-year-old drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. More rural locations have fewer collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $673
• Drivers who choose higher $1,000 deductibles will pay approximately $114 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,130
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $220 annually
• Drivers with multiple tickets or accidents could pay up to $2,442
• The price with full coverage for a 16-year-old driver for full coverage can cost as much as $4,462 a year

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,300 to $1,900 additional each year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

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

The state you live in makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver 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.

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 Buy the Best Lexus IS 350 Insurance

Getting lower rates on insurance for a Lexus IS 350 not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the coverage data touched on in this article.

• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $325 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $372 a month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,310 more annually than a driver with a clean driving record