Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive costs on average $198 each year, collision costs $300, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,442. Teen drivers receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

These examples highlight why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $673
• Raising to $1,000 deductibles will save around $114 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,130
• Choosing low deductibles will increase the cost to $1,350
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• The cost for full coverage for a 16-year-old driver may cost $4,462

Insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the model of your IS 350, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,400 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 $870 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.

Choosing high deductibles can reduce rates by up to $340 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and rates can be significantly 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 Cheap Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 consists of being a good driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by quoting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a brief summary of the information raised in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Drivers age 16 to 20 pay higher rates, as much as $372 per month including comprehensive and collision insurance
• Increasing deductibles can save around $325 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,310 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay about $520 per year to raise from a minimum limit to 250/500 limits