Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,176 a year with full coverage. Comprehensive insurance costs an estimated $212, collision costs $328, and liability insurance costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing $2,544 or more. 16-year-old drivers cost the most to insure at $4,614 a year or more.

Average premium for full coverage: $1,176

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.

The example below illustrates how location helps determine insurance prices.

The examples above demonstrate why everyone should compare rates for a targeted area, rather than relying on rate averages.

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

More Rate Information

The chart below details estimated Lexus IS 350 insurance rates for other coverage scenarios.

• The best full coverage rate is $697
• Drivers who choose higher $1,000 deductibles will pay approximately $122 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,176
• Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $238 a year
• High risk drivers with multiple tickets or accidents could pay up to $2,544 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $4,614 a year

Insurance rates for a Lexus IS 350 also range considerably based on the model of your IS 350, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,400 to $2,000 additional every year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or at least $1,590 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could save up to $360 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, and rates will be varied.

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 cheaper rates on Lexus IS 350 insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop every time your policy renews by requesting quotes from direct companies, and also from insurance agencies where you live.

The following list is a recap of the information covered in the charts and tables above.

• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, as much as $385 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,370 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay around $530 every year to go from a 30/60 limit to the 250/500 level