Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive insurance costs around $198 each year, collision insurance costs $300, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,442 or more. Teenage drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $673
• Drivers who choose higher $1,000 deductibles will pay about $114 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,130
• Using low deductibles for comprehensive and collision insurance costs an additional $220 annually
• Drivers who are prone to accidents and violations could pay at least $2,442
• Policy cost with full coverage for a 16-year-old driver can be $4,462 a year

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $340 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,610 on average in Michigan, New York, and Louisiana.

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 Affordable Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the coverage data covered in the charts and tables above.

• You may be able to save up to $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $372 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,310 more every year than a driver with a clean driving record