Lexus IS 350 Insurance Rates

The average insurance prices for a Lexus IS 350 are $1,130 every 12 months with full coverage. Comprehensive costs an estimated $198 a year, collision insurance costs $300, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,442. 16-year-old drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own driving history, instead of using rate averages.

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

Rate Comparisons

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 price for a good driver age 40 who has $500 deductibles is $1,130
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,350
• Unlucky drivers with multiple tickets or accidents could pay up to $2,442
• Policy cost to insure a teen driver can cost as much as $4,462 each year

Auto insurance rates for a Lexus IS 350 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

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

Older drivers with a good driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus IS 350 insurance prices. 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.

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 the Best Lexus IS 350 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $130 per year just by quoting early and online
• Higher risk drivers who tend to receive serious violations may pay on average $1,310 more annually to insure their IS 350
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Teen drivers are the costliest to insure, as much as $372 each month if comprehensive and collision insurance is included