Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,176 annually including full coverage. Comprehensive insurance costs approximately $212 a year, collision insurance costs $328, and liability is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs $2,544 or more. Teen drivers cost the most to insure at up to $4,614 a year.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $697
• Raising to $1,000 deductibles will save $1,054 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,176
• Choosing low $100 deductibles costs an additional $238 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,544
• Policy cost with full coverage for a teen driver can cost $4,614

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $360 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,680 on average in Louisiana, New York, and Michigan.

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 Buy More Affordable Lexus IS 350 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a summary of the coverage data presented in the illustrations above.

• You may be able to save around $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $385 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,370 more per year to insure their IS 350