Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.

• The best discount rate is $673
• Using higher $1,000 deductibles will save approximately $1,016 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,130
• Using low $100 deductibles for physical damage coverage will cost an additional $220 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,442
• Policy cost that insures a 16-year-old driver can cost as much as $4,462 or more

Auto insurance rates for a Lexus IS 350 also range considerably based on the trim level of your IS 350, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 on average in New York, Michigan, and Florida.

Using high physical damage deductibles could cut rates by as much as $340 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 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 Best Cheap Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The following is a quick review of the data touched on in the above illustrations.

• Insureds who want higher liability limits will pay an extra $520 every year to increase from a 30/60 limit to the 250/500 level
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teens are the costliest to insure, as much as $372 each month if the policy includes full coverage