Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually with full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $300, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,442 or more. Teens pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

The chart below details average Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save $114 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,130
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $220 each year
• Drivers with serious driving violations could pay around $2,442
• The price with full coverage for a teenage driver with full coverage can cost $4,462 each year

Auto insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance ranges around 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,530 on average in New York, Michigan, and Florida.

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 Cheaper Lexus IS 350 Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the car insurance concepts presented in the illustrations above.

• Drivers with multiple at-fault accidents may pay on average $1,310 more per year than a low-risk driver
• You may be able to save around $130 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $325 each year
• Consumers who purchase more liability protection will pay approximately $520 every year to raise limits from a low limit to higher 250/500 limits