Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage. Comprehensive insurance costs on average $212, collision costs $328, and liability coverage costs $478. Liability-only insurance costs as little as $526 a year, with high-risk driver insurance costing $2,544 or more. Teen drivers pay the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

The chart below shows estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $697
• Drivers who choose higher $1,000 deductibles will pay around $122 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,176
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $238 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,544 or more
• The price with full coverage for a teenage driver with full coverage may cost $4,614 a year

Car insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $360 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,680 on average in Michigan, Louisiana, and New York.

Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every company uses a different rate calculation, so rate quotes may be quite different between companies.

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 Cheaper Lexus IS 350 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a condensed summary of the data covered above.

• Consumers who require higher liability limits will pay about $530 each year to go from a low limit to higher 250/500 limits
• Drivers can save as much as $140 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $350 each year
• Teenagers are expensive to insure, with premiums as much as $385 a month if comprehensive and collision insurance is included