Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $300, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,442 or more. Teens cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

These estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all IS 350 models.

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 cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save $114 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,130
• Selecting pricier low deductibles costs an additional $220 every year
• At-risk drivers with serious driving violations could pay around $2,442
• Policy cost with full coverage for a teen driver for full coverage can cost $4,462

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.

A more mature driver with a clean 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 much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,400 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 $1,300 to $1,900 extra every year, depending on your age. Lexus IS 350 insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per 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 $870 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,610 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 Cheap Lexus IS 350 Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a brief summary of the data covered in the above illustrations.

• Policyholders who purchase higher liability limits will pay approximately $520 per year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save around $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teens are expensive to insure, with premiums being up to $372 each month including comprehensive and collision insurance