Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,176 a year including full coverage. Comprehensive insurance costs an estimated $212, collision costs $328, and liability coverage is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing $2,544 or more. 16-year-old drivers cost the most to insure at $4,614 a year or more.

Average premium for full coverage: $1,176

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how your location can change insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $697
• Raising to $1,000 deductibles will save approximately $122 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,176
• Buying more expensive low deductibles will cost an additional $238 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,544 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,614

Car insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,680 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles can reduce rates by up to $360 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, 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 Find Cheaper Lexus IS 350 Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the information illustrated above.

• You may be able to save approximately $140 per year simply by shopping early and online
• Teens have the highest car insurance rates, with premiums being up to $385 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers with multiple at-fault accidents could be charged and average of $1,370 more annually for IS 350 insurance
• Consumers who want higher liability limits will pay around $530 per year to raise from a 30/60 limit to the 250/500 level