Lexus IS 350 Insurance Rates

Average auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage. Comprehensive costs on average $212 a year, collision costs $328, and liability costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing around $2,544. Teenage drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples show why it is important to compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $697
• Drivers who choose higher $1,000 deductibles will pay around $1,054 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,176
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,414
• Drivers who are prone to accidents and violations could pay upwards of $2,544 or more
• The cost with full coverage for a 16-year-old driver may cost $4,614 a year

Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $360 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 Buy Affordable Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 not only requires being a safe and courteous driver, but also having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates at every other renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a brief review of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,370 more each year for auto insurance
• Teenage drivers are expensive to insure, costing as high as $385 per month if comprehensive and collision insurance is included
• Drivers can save as much as $140 per year simply by quoting early and online
• Increasing deductibles could save up to $350 each year
• Drivers can save as much as $140 per year simply by quoting early and online