Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs an estimated $198 a year, collision insurance costs $300, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,442. 16-year-old drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on rate averages.

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

More Rate Details

The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save approximately $1,016 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,130
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,350
• High-risk insureds with multiple tickets or accidents could pay up to $2,442
• The price for full coverage for a teen driver can cost as much as $4,462 each year

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,530 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles can save as much as $340 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

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 Low Cost Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance takes being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a review of the car insurance concepts covered above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,310 more annually for auto insurance
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing physical damage deductibles can save around $325 each year
• Drivers who want higher levels of liability will pay around $520 every year to raise limits from a low limit to 250/500 limits