Lexus IS 350 Insurance Rates

U.S. average insurance prices for a Lexus IS 350 are $1,130 every 12 months with full coverage. Comprehensive costs approximately $198, collision insurance costs $300, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $2,442. Teen drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below details average Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $673
• Using higher $1,000 deductibles will save $114 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,130
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,350
• Drivers with multiple violations and an at-fault accident could pay around $2,442
• The price to insure a teen driver with full coverage can cost $4,462 or more

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

Choosing high deductibles could cut prices by as much as $340 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,900 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than average. View High Risk Driver Rates

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 $810 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,530 on average in New York, Michigan, and Florida.

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 Shop for More Affordable Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a summary of the data illustrated above.

• Drivers who purchase an increased level of liability coverage will pay about $520 every year to increase from a low limit to a 250/500 level
• You may be able to save around $130 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $372 a month if they have full coverage