Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage. Comprehensive costs on average $198 each year, collision costs $300, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage 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:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change car insurance rates.

The ranges above show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save around $114 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,130
• Selecting low deductibles for comp and collision coverage will cost $1,350
• Higher-risk drivers with serious driving violations could pay upwards of $2,442 or more
• The price with full coverage for a 16-year-old driver may cost $4,462 each year

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.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,400 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 $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 annually, whereas increasing 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 $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,610 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 do a rate comparison from multiple companies. Each auto insurer calculates prices differently, so the prices 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 insurance for a Lexus IS 350 takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a condensed summary of the ideas that were illustrated above.

• Teens pay the highest prices, with premiums as much as $372 a month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,310 more each year for IS 350 insurance
• Increasing physical damage deductibles could save up to $325 each year
• Drivers can save as much as $130 per year simply by quoting online in advance