Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive costs approximately $198 each year, collision costs $300, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,442. Teens receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance prices.

These examples illustrate why all drivers should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save $114 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,130
• Selecting low deductibles will increase the cost to $1,350
• At-risk drivers with serious driving violations could pay around $2,442 or more
• The cost for full coverage for a teen driver can cost $4,462

Insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,530 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so the 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 Cheap Lexus IS 350 Insurance

Saving money on car insurance consists of avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts illustrated above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,310 more per year to insure a Lexus IS 350
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing deductibles can save around $325 each year
• Policyholders who purchase increased liability limits will pay approximately $520 annually to raise from a minimum limit to 250/500 limits