Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,176 a year including full coverage. Comprehensive costs approximately $212, collision insurance costs $328, and liability costs $478. A policy with just liability insurance costs as little as $526 a year, and coverage for high-risk drivers costs around $2,544. Teenage drivers receive the highest rates at up to $4,614 a year.

Average premium for full coverage: $1,176

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These examples highlight why everyone should compare rates using their specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $697
• Drivers who choose higher $1,000 deductibles will pay $122 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,176
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,414
• Drivers who are prone to accidents and violations could pay around $2,544
• The cost that insures a 16-year-old driver for full coverage can cost $4,614 a year

Insurance rates for a Lexus IS 350 can also vary considerably based on the model of your IS 350, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,680 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $360 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit

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

Saving money on insurance for a Lexus IS 350 not only requires being a good driver, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following list is a condensed summary of the coverage data touched on in this article.

• You may be able to save around $140 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $350 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $385 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents will likely pay on average $1,370 more per year than a safer driver