Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,176

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and 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 has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $697
• Choosing higher $1,000 deductibles can save $1,054 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,176
• Using low $100 deductibles for comp and collision coverage will cost $1,414
• Drivers who are prone to accidents and violations could pay around $2,544 or more
• The price with full coverage for a teenage driver can cost $4,614 each year

Auto insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $360 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit

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 $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite 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

Getting lower rates on auto insurance takes being a good driver, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief review of the coverage data illustrated above.

• It is possible to save around $140 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $350 each year
• Drivers age 16 to 20 have the highest car insurance prices, as much as $385 a month if full coverage is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,370 more per year than a safer driver