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 on average $198 a 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 $2,442 or more. Teenage drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $673
• Raising to $1,000 deductibles will save around $1,016 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,130
• Using low $100 deductibles costs an additional $220 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,442 or more
• The price with full coverage for a 16-year-old driver may cost $4,462

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $340 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,530 on average in Florida, Michigan, and New York.

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Cheapest Lexus IS 350 Insurance

Getting lower rates on insurance for a Lexus IS 350 consists of being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates at every other renewal by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a recap of the concepts that were touched on in this article.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,310 more each year than a low-risk driver
• Youthful drivers pay the highest prices, costing up to $372 a month including comprehensive and collision insurance
• You may be able to save as much as $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $325 each year
• You may be able to save as much as $130 per year simply by quoting early and online