Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage. Comprehensive costs approximately $198 a year, collision insurance costs $300, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,442. Teenage 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:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why it is important to compare prices using their specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $673
• Using higher $1,000 deductibles will save $1,016 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,130
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,350
• Higher-risk drivers who are prone to accidents and violations could pay around $2,442
• Policy cost for full coverage for a teenage driver can cost $4,462 or more

Car insurance rates for a Lexus IS 350 also range considerably based on your risk profile, the trim level of your IS 350, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,610 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could cut rates by as much as $340 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than a normal 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 Cheaper Lexus IS 350 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the data covered above.

• Consumers who purchase increased liability limits will pay an extra $520 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save around $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers under the age of 20 pay the highest auto insurance rates, costing up to $372 each month if full coverage is included