Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage. Comprehensive costs around $198 a year, collision costs $300, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,442. 16-year-old drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates for individual coverage:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.

The diagram below illustrates how where you live affects auto insurance rates.

The ranges above show why it is important to compare prices for a specific zip code, rather than using rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $673
• Using higher $1,000 deductibles will save about $1,016 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,130
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,350
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,442 or more
• The price that insures a teenage driver can be $4,462 or more

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level of your IS 350, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Idaho, Maine, and Iowa, or at least $1,610 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles could cut prices by as much as $340 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different.

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 Affordable Lexus IS 350 Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

The next list is a brief review of the ideas that were touched on in the above illustrations.

• Drivers age 20 and younger are charged the highest prices, with premiums as much as $372 a month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions pay on average $1,310 more every year to buy Lexus IS 350 insurance
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers can save up to $130 per year simply by quoting early and online