Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs approximately $198 each year, collision costs $300, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,442 or more. 16-year-old drivers 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 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and risk profile, instead of using rate averages.

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

Rate Comparisons

The chart below illustrates estimated Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save $114 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,130
• Buying low deductibles for comp and collision coverage will cost an extra $220 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,442 or more
• The price for full coverage for a teen driver can cost $4,462 each year

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $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 prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles can save as much as $340 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different from one company to the next.

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 Cheaper Lexus IS 350 Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a condensed summary of the data covered in the charts and tables above.

• Policyholders who purchase higher liability limits will pay around $520 annually to raise limits from a low limit to 250/500 limits
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $325 each year
• Teenagers pay the highest auto insurance prices, as much as $372 a month if full coverage is included