Lexus IS 350 Insurance Rates

Average insurance prices for a Lexus IS 350 are $1,130 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $198, collision costs $300, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,442 or more. Teen drivers receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, 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 illustrates estimated Lexus IS 350 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $673
• Raising to $1,000 deductibles will save approximately $114 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,130
• Choosing more expensive low deductibles costs an extra $220 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,442 or more
• The cost to insure a 16-year-old driver with full coverage can cost as much as $4,462

Insurance rates for a Lexus IS 350 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,300 to $1,900 additional per 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

Where you live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,530 on average in Florida, New York, and Michigan.

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, and rates can be significantly different.

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 Shop for Cheaper Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the concepts that were covered above.

• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,310 more annually to buy Lexus IS 350 insurance
• Drivers age 20 and younger are expensive to insure, costing up to $372 per month if full coverage is included
• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing deductibles could save as much as $325 each year
• It is possible to save approximately $130 per year simply by shopping early and online