Lexus IS 350 Insurance Rates

The average insurance prices for a Lexus IS 350 are $1,130 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $198, collision costs $300, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,442 or more. Teenage drivers cost the most to insure at $4,462 a year or more.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $673
• Using higher $1,000 deductibles will save $114 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,130
• Using more expensive low deductibles for physical damage coverage costs an extra $220 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,442 or more
• Policy cost to insure a teenage driver with full coverage can cost $4,462 or more

Car insurance rates for a Lexus IS 350 also range considerably based on liability limits and deductibles, your risk profile, and the model of your IS 350.

Using high physical damage deductibles could cut rates by as much as $340 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,530 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Right Lexus IS 350 Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the primary concepts that were touched on in this article.

• It is possible to save around $130 per year simply by shopping early and online
• Drivers with reckless driving or DUI convictions may have to pay on average $1,310 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Youthful drivers pay the highest auto insurance rates, possibly costing $372 each month if the policy includes full coverage