Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs on average $198 each year, collision costs $300, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,442. Teen drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why all drivers should get quotes based on a specific location, rather than using price averages.

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

Additional Rate Details

The chart below details estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $673
• Choosing higher $1,000 deductibles can save around $114 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,130
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,350
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• The price that insures a teenage driver may cost $4,462 each year

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 128% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,530 on average in Florida, Michigan, and New York.

Choosing high deductibles can save as much as $340 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and prices may be quite 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 Find the Best Cheap Lexus IS 350 Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around once a year by quoting rates from direct companies, and also from several local insurance agents.

The following is a quick review of the data that was raised in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Consumers who require higher liability limits will pay about $520 every year to raise limits from a low limit to the 250/500 level
• Teens pay higher prices, costing up to $372 a month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay on average $1,310 more each year for IS 350 insurance