Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage. Comprehensive costs on average $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 around $2,544. 16-year-old drivers cost the most to insure at up to $4,614 a year.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities. The example below illustrates how location helps determine car insurance rates.

The examples above show why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $697
• Choosing higher $1,000 deductibles can save around $122 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,176
• Buying pricier low deductibles for comp and collision coverage will cost $1,414
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,544
• Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,614 each year

Auto insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $360 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

Your home state 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 Idaho, Maine, and Iowa, or at least $1,680 on average in Michigan, Louisiana, and New York.

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 Cheaper Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a condensed summary of the material that was covered in the charts and tables above.

• Insureds who require an increased level of liability coverage will pay around $530 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, costing up to $385 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,370 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $350 each year