Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive costs on average $198, collision costs $300, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,442. Teens pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save around $114 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,130
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,350
• High-risk insureds with serious driving violations could pay upwards of $2,442 or more
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,462 each year

Insurance prices for a Lexus IS 350 also have a wide range based on your driving characteristics, the model of your IS 350, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,610 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,900 additional annually, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices will be substantially 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 the Best Cheap Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance takes being safe and accident-free, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick review of the primary concepts that were illustrated above.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,310 more each year than a low-risk driver
• Increasing policy deductibles can save around $325 each year
• Youthful drivers pay higher prices, with the cost nearing $372 per month including comprehensive and collision insurance