Lexus IS 350 Insurance Rates

Average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs an estimated $198 a year, collision insurance costs $300, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,442. Teens receive the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Rate estimates broken down by individual coverage type:

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

These examples highlight why it is important to get quotes 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.

More Rate Details

The chart below breaks down average Lexus IS 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save approximately $1,016 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,130
• Selecting low $100 deductibles for comp and collision coverage will cost $1,350
• High-risk insureds with serious driving violations could pay up to $2,442
• The cost with full coverage for a teen driver can cost as much as $4,462 each year

Insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you 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 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 Low Cost Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance takes having a good driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a review of the concepts that were covered in the above illustrations.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,310 more annually to buy Lexus IS 350 insurance
• Drivers age 20 and younger are charged the highest rates, as much as $372 per month including comprehensive and collision insurance
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing deductibles could save up to $325 each year
• You may be able to save approximately $130 per year just by quoting early and online