Lexus IS 350 Insurance Rates

The average insurance prices for a Lexus IS 350 are $1,130 every 12 months for full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $300, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,442 or more. Teenage drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

The examples above show why everyone should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save approximately $114 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,130
• Using pricier low deductibles for comp and collision coverage costs an extra $220 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,442
• Policy cost to insure a teen driver for full coverage can cost as much as $4,462 each year

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

Using high physical damage deductibles can save as much as $340 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,300 to $1,900 in extra premium every year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,610 on average in New York, Louisiana, 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 Shop for Cheaper Lexus IS 350 Insurance

Finding cheaper rates on Lexus IS 350 insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

The following list is a condensed summary of the data covered in the charts and tables above.

• Drivers who want an increased level of liability coverage will pay an extra $520 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $372 each month if comprehensive and collision insurance is included