Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive insurance costs on average $198, collision insurance costs $300, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,442 or more. Teen drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $673
• Raising to $1,000 deductibles will save around $114 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,130
• Choosing more expensive low deductibles will cost an additional $220 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,442
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,462

Insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 128% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age

Your home state also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find rates as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.

Choosing high deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 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 Cheapest Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around at least once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a recap of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $130 per year just by shopping early and online
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,310 more each year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teenagers pay higher rates, with premiums being up to $372 each month if comprehensive and collision insurance is included