Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage. Comprehensive costs approximately $198, collision costs $300, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,442. Teenage drivers cost the most to insure at $4,462 a year or more.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $673
• Drivers who choose higher $1,000 deductibles will pay $114 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,130
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,350
• Higher-risk drivers who are prone to accidents and violations could pay around $2,442 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $4,462 a year

Car insurance rates for a Lexus IS 350 also range considerably based on your risk profile, the trim level of your IS 350, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,610 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could save up to $340 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied 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 Cheaper Lexus IS 350 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the material that was touched on above.

• Policyholders who purchase an increased level of liability coverage will pay an extra $520 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $372 each month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,310 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $325 each year