Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs approximately $198, collision costs $300, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,442. Teen drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

The ranges above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $673
• Using higher $1,000 deductibles will save $114 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,130
• Choosing pricier low deductibles for physical damage coverage will cost $1,350
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,442 or more
• The price with full coverage for a teenage driver for full coverage can cost $4,462 or more

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. Lexus IS 350 insurance for high-risk drivers can be around 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $340 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,610 on average in Louisiana, New York, and Michigan.

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, 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 the Right Lexus IS 350 Insurance

Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and not having any coverage lapses. Invest time comparing rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a quick rundown of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers with reckless driving or DUI convictions may have to pay on average $1,310 more per year than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $325 each year
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $372 a month if full coverage is included