Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs on average $198, collision insurance costs $300, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,442. Teenage drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save around $114 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,130
• Using pricier low deductibles for comp and collision coverage will cost $1,350
• Drivers who are prone to accidents and violations could pay upwards of $2,442
• Policy cost with full coverage for a teenage driver for full coverage may cost $4,462 each year

Insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,900 extra every year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges around 43% to 128% more than a normal policy. View High Risk Driver Rates

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

Your home state 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,610 on average in Michigan, New York, and Louisiana.

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

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief recap of the ideas that were raised in the charts and tables above.

• Teens pay the highest rates, with premiums being up to $372 each month including comprehensive and collision insurance
• Drivers who tend to receive serious violations pay on average $1,310 more each year for IS 350 insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date