Lexus IS 350 Insurance Rates

Estimated insurance prices for a Lexus IS 350 are $1,176 every 12 months including full coverage. Comprehensive costs approximately $212, collision costs $328, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $2,544. Teens pay the most at $4,614 a year or more.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $697
• Raising to $1,000 deductibles will save $122 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,176
• Selecting more expensive low deductibles increases the price to $1,414
• Drivers with serious driving violations could pay around $2,544 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage can cost $4,614

Auto insurance prices for a Lexus IS 350 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your IS 350.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,680 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

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 Shop for the Best Cheap Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a quick review of the material that was presented in the illustrations above.

• Insureds who purchase increased liability limits will pay approximately $530 per year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $385 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,370 more per year to insure a Lexus IS 350
• Increasing policy deductibles could save as much as $350 each year