Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs on average $198, collision costs $300, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,442. 16-year-old drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects car insurance rates.

The ranges above highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save around $114 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,130
• Buying pricier low deductibles for comp and collision coverage will cost $1,350
• Drivers with multiple tickets or accidents could pay upwards of $2,442 or more
• The price with full coverage for a teenage driver for full coverage may cost $4,462 each year

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,900 additional each year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges around 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $340 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each 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 $870 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,610 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and prices may be quite different 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 Cheaper Lexus IS 350 Insurance

Getting lower rates on auto insurance takes having a decent driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents pay on average $1,310 more each year than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $325 each year
• 16 to 18-year-old drivers pay higher prices, possibly costing $372 a month if they have full coverage