Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

The chart below breaks down average Lexus IS 350 insurance rates for other coverage scenarios.

• The best discount rate is $673
• Using higher $1,000 deductibles will save approximately $114 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,130
• Using pricier low deductibles for physical damage coverage costs an additional $220 every year
• Drivers who are prone to accidents and violations could pay up to $2,442
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,462 or more

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 $1,300 to $1,900 additional every year, depending on your age. Lexus IS 350 insurance for high-risk drivers can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $340 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

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 Cheaper Lexus IS 350 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the data covered in the charts and tables above.

• Policyholders who want higher liability limits will pay an extra $520 per year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teens are expensive to insure, with premiums being up to $372 each month if they have full coverage