Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage insurance. Comprehensive insurance costs an estimated $212 a year, collision costs $328, and liability insurance costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing $2,544 or more. Teens cost the most to insure at $4,614 a year or more.

Average premium for full coverage: $1,176

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus IS 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $697
• Using higher $1,000 deductibles will save approximately $1,054 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,176
• Selecting low $100 deductibles for physical damage coverage costs an additional $238 a year
• Drivers with serious driving violations could pay up to $2,544 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,614 or more

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, 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 at least $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 probably paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,590 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied between companies.

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 Affordable Lexus IS 350 Insurance

Finding cheaper rates on Lexus IS 350 insurance requires being safe and accident-free, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the material that was raised in the charts and tables above.

• Drivers who want more liability protection will pay approximately $530 annually to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, possibly costing $385 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,370 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $350 each year