Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,176 annually with full coverage. Comprehensive costs on average $212 a year, collision costs $328, and liability insurance is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $2,544. Teens cost the most to insure at $4,614 a year or more.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

The examples above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $697
• Raising to $1,000 deductibles will save around $1,054 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,176
• Selecting low $100 deductibles will cost $1,414
• Higher-risk drivers with serious driving violations could pay upwards of $2,544 or more
• Policy cost with full coverage for a teen driver may cost $4,614

Car insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,590 on average in Florida, Michigan, and New York.

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.

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 the Best Lexus IS 350 Insurance

Finding cheaper rates on Lexus IS 350 insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief recap of the information touched on above.

• You may be able to save as much as $140 per year simply by quoting early and online
• Teen drivers are expensive to insure, as much as $385 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $350 each year
• High-risk drivers who tend to receive serious violations pay an average of $1,370 more each year to insure their IS 350
• Drivers who require more liability coverage will pay approximately $530 every year to raise from a 30/60 limit to higher 250/500 limits