Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive insurance costs around $198 each year, collision insurance costs $300, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,442 or more. Teen drivers receive the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Rate estimates for individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down average Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $673
• Using higher $1,000 deductibles will save about $114 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,130
• Choosing low deductibles for physical damage coverage will cost an additional $220 every year
• Drivers with multiple violations and an at-fault accident could pay at least $2,442
• The cost that insures a teen driver can be $4,462 or more

Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,300 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 128% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age

Where you live has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could cut rates by as much as $340 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Low Cost Lexus IS 350 Insurance

Saving money on car insurance requires having a decent driving record, having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a review of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,310 more every year than a driver with a clean driving record
• You may be able to save up to $130 per year just by quoting online in advance
• Increasing deductibles can save approximately $325 each year
• Policyholders who may need additional liability coverage will pay about $520 per year to increase from a minimum limit to the 250/500 level