Lexus IS 350 Insurance Rates

Average insurance prices for a Lexus IS 350 are $1,212 every 12 months with full coverage. Comprehensive insurance costs an estimated $218, collision costs $362, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,626 or more. Teens receive the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,212

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects insurance prices.

These examples demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $713
• Choosing higher $1,000 deductibles can save approximately $132 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,212
• Selecting pricier low deductibles for comp and collision coverage costs an extra $256 annually
• Higher-risk drivers with serious driving violations could pay up to $2,626 or more
• The cost to insure a 16-year-old driver for full coverage can cost as much as $4,732 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,400 to $2,000 additional per year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 42% to 129% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,640 on average in New York, Michigan, and Florida.

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and rates 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 Shop for the Best Cheap Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 takes not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the data that was touched on in the above illustrations.

• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Insureds who want higher liability limits will pay approximately $520 every year to raise limits from a minimum limit to a 250/500 level
• Teens are expensive to insure, with premiums as much as $394 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,410 more annually for IS 350 insurance