Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $300, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,442 or more. 16-year-old drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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 other coverage scenarios.

• The best full coverage rate is $673
• Raising to $1,000 deductibles will save approximately $114 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,130
• Buying more expensive low deductibles costs an additional $220 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,442
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,462

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,300 to $1,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $340 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,610 on average in Louisiana, New York, and Michigan.

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 Low Cost Lexus IS 350 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a review of the material that was raised in the charts and tables above.

• Consumers who want higher liability limits will pay around $520 per year to raise from a low limit to higher 250/500 limits
• Teenagers are expensive to insure, possibly costing $372 a month if they have full coverage
• Drivers who have several accidents or serious violations could be forced to pay on average $1,310 more annually for car insurance
• Increasing physical damage deductibles could save up to $325 each year