Lexus IS 350 Insurance Rates

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

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects car insurance rates.

The examples above show why everyone should compare rates based on a specific location, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $673
• Drivers who choose higher $1,000 deductibles will pay around $114 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,130
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,350
• Drivers with serious driving violations could pay upwards of $2,442
• Policy cost that insures a 16-year-old driver for full coverage may cost $4,462 a year

Car insurance rates for a Lexus IS 350 also range considerably based on the model of your IS 350, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,900 extra every year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,610 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles could save up to $340 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 not only requires having a good driving record, but also having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,310 more each year to buy Lexus IS 350 insurance
• Drivers can save as much as $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Insureds who require increased levels of liability coverage will pay approximately $520 each year to go from a 30/60 limit to the 250/500 level