Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive insurance costs approximately $198, collision costs $300, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,442 or more. 16-year-old drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $673
• Raising to $1,000 deductibles will save $114 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,130
• Buying more expensive low deductibles will cost an extra $220 annually
• Drivers with multiple tickets or accidents could pay around $2,442 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $4,462

Insurance prices for a Lexus IS 350 also have a wide range based on your driving characteristics, the model of your IS 350, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,610 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles can reduce prices by up to $340 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different 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 the Cheapest Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 consists of avoiding accidents and claims, maintaining good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,310 more per year to insure a Lexus IS 350
• Drivers under the age of 20 are expensive to insure, with the cost nearing $372 per month for full coverage
• You may be able to save around $130 per year simply by shopping early and online
• Increasing policy deductibles can save around $325 each year
• You may be able to save around $130 per year simply by shopping early and online