Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

The ranges above show why everyone should get quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save $114 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,130
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,350
• Higher-risk drivers with serious driving violations could pay around $2,442
• The price for full coverage for a 16-year-old driver for full coverage can cost $4,462 each year

Insurance prices for a Lexus IS 350 are also quite variable based on your driving record, the trim level of your IS 350, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark 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 prices. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,610 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,300 to $1,900 additional each year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 43% to 128% more than the average policy. View High Risk Driver Rates

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 Cheap Lexus IS 350 Insurance

Getting lower rates on insurance for a Lexus IS 350 takes being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief summary of the ideas that were touched on in this article.

• Teenage drivers are the costliest to insure, with premiums as much as $372 a month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,310 more per year for auto insurance
• Increasing physical damage deductibles can save around $325 each year
• Drivers can save around $130 per year just by quoting online well ahead of the renewal date