Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs an estimated $198 each year, collision insurance costs $300, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate 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 other coverage scenarios.

• The best full coverage rate is $673
• Raising to $1,000 deductibles will save approximately $114 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,130
• Buying low deductibles will increase the cost to $1,350
• Drivers with multiple tickets or accidents could pay up to $2,442
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,462

Insurance rates for a Lexus IS 350 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,400 a year. View Rates by Age

Your home state also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find rates 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 reduce rates by up to $340 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost 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 More Affordable Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 consists of having a decent driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the data touched on in the above illustrations.

• Insureds who want additional liability coverage will pay around $520 every year to raise from a 30/60 limit to 250/500 limits
• You may be able to save approximately $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $325 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $372 each month including comprehensive and collision insurance