Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive insurance costs on average $198 a year, collision costs $300, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,442 or more. Teenage drivers receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why it is important to compare prices based on a specific location, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $673
• Using higher $1,000 deductibles will save around $1,016 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,130
• Using low $100 deductibles for physical damage coverage will cost an additional $220 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,442 or more
• The cost that insures a teen driver may cost $4,462 or more

Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Where you live has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates 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.

Using high physical damage deductibles could cut rates by as much as $340 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

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 Low Cost Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance requires not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a review of the data that was raised in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting early and online
• Drivers who require higher liability limits will pay an extra $520 every year to increase from a minimum limit to the 250/500 level
• Teens are expensive to insure, with premiums as much as $372 per month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations pay on average $1,310 more each year for IS 350 insurance