Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive costs on average $198 each year, collision costs $300, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,442. Teen 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:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $673
• Drivers who choose higher $1,000 deductibles will pay around $114 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,130
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,350
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• The cost for full coverage for a 16-year-old driver may cost $4,462 a year

Auto insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,400 a year. View Rates by Age

Where you live makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,530 on average in Michigan, New York, and Florida.

Choosing high deductibles could save up to $340 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,300 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly 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 Affordable Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least every other year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a brief review of the car insurance concepts covered above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,310 more each year to insure their IS 350
• It is possible to save as much as $130 per year simply by quoting online in advance
• Increasing deductibles can save around $325 each year
• Insureds who require more liability coverage will pay about $520 annually to go from a minimum limit to 250/500 limits