Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,176 a year for full coverage. Comprehensive insurance costs approximately $212, collision insurance costs $328, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs $2,544 or more. Teen drivers pay the most at up to $4,614 a year.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why everyone should get quotes using their specific location, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $697
• Choosing higher $1,000 deductibles can save $122 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,176
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $238 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,544
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,614 each year

Insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 additional annually, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, and Michigan.

Choosing high deductibles can save as much as $360 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit

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

Finding better rates on insurance for a Lexus IS 350 takes having a good driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a quick review of the data that was covered in the above illustrations.

• Drivers can save around $140 per year just by quoting online well ahead of the renewal date
• Insureds who purchase increased levels of liability coverage will pay about $530 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, as much as $385 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,370 more per year to buy Lexus IS 350 insurance