Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage. Comprehensive costs approximately $198 each year, collision insurance costs $300, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,442. Teens pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, rather than relying on averaged prices.

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

Additional Rate Details

The chart below shows average Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save $114 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,130
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,350
• Drivers with serious driving violations could pay around $2,442
• The price that insures a teen driver can cost $4,462 or more

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

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,610 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each 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 More Affordable Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare rates every year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

Below is a summary of the coverage data illustrated above.

• Drivers can save around $130 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• Teenage drivers are the costliest to insure, with premiums as much as $372 a month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,310 more per year for auto insurance