Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Premium estimates for type of coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below shows estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save about $114 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,130
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,350
• High-risk insureds with serious driving violations could pay at least $2,442 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,462 or more

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

An older driver with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,610 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be from 43% to 128% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Each insurance company calculates prices differently, so the 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 Right Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 requires being safe and accident-free, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a quick rundown of the ideas that were covered above.

• Youthful drivers pay higher prices, as much as $372 per month for full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,310 more every year than a low-risk driver
• Increasing policy deductibles can save around $325 each year
• Drivers can save up to $130 per year simply by shopping early and online