Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,212 a year with full coverage. Comprehensive costs an estimated $218 a year, collision insurance costs $362, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,626. Teen drivers cost the most to insure at up to $4,732 a year.

Average premium for full coverage: $1,212

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $713
• Using higher $1,000 deductibles will save approximately $1,080 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,212
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,468
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,626
• Policy cost for full coverage for a teenage driver can cost as much as $4,732 or more

Insurance rates for a Lexus IS 350 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,640 on average in New York, Michigan, and Florida.

Choosing high deductibles could cut rates by as much as $390 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 129% more than average. View High Risk Driver Rates

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 Low Cost Lexus IS 350 Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the data that was covered in the above illustrations.

• You may be able to save approximately $140 per year just by quoting early and online
• Consumers who want additional liability coverage will pay about $520 every year to increase from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, as much as $394 each month for full coverage
• Drivers who have several accidents or serious violations may pay on average $1,410 more annually than a driver with a clean driving record