Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP 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 car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save $114 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,130
• Selecting more expensive low deductibles will increase the cost to $1,350
• Unlucky drivers with serious driving violations could pay around $2,442 or more
• The price for full coverage for a teenage driver with full coverage can cost $4,462

Insurance prices for a Lexus IS 350 are also quite variable based on your driving record, the model of your IS 350, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

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 have to pay at least $1,610 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $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 policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, and prices may be quite different from one company to the next.

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 the Right Lexus IS 350 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a quick rundown of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are the costliest to insure, possibly costing $372 a month including comprehensive and collision insurance
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,310 more per year to insure a Lexus IS 350
• Increasing physical damage deductibles can save around $325 each year
• You may be able to save around $130 per year simply by shopping early and online