Lexus IS 350 Insurance Rates

U.S. average insurance prices for a Lexus IS 350 are $1,130 every 12 months for full coverage insurance. Comprehensive costs approximately $198 a year, collision insurance costs $300, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,442. Teenage drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates average Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save $1,016 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,130
• Using low $100 deductibles for comp and collision coverage increases the price to $1,350
• Higher-risk drivers who are prone to accidents and violations could pay around $2,442
• The price to insure a 16-year-old driver can cost $4,462 each year

Insurance prices for a Lexus IS 350 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your IS 350.

Using high physical damage deductibles can save as much as $340 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,530 on average in Florida, 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 Shop for Affordable Lexus IS 350 Insurance

Getting lower rates on insurance for a Lexus IS 350 takes being safe and accident-free, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief review of the data presented in the illustrations above.

• Insureds who purchase more liability protection will pay an extra $520 annually to raise limits from a low limit to a 250/500 level
• It is possible to save around $130 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $325 each year
• Youthful drivers are the costliest to insure, as much as $372 a month if full coverage is included