Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage insurance. Comprehensive insurance costs on average $212, collision insurance costs $328, and liability is estimated at $478. A policy with only liability insurance costs approximately $526 a year, and a high-risk policy costs $2,544 or more. Teen drivers pay the most at up to $4,614 a year.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $697
• Choosing higher $1,000 deductibles can save around $122 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,176
• Choosing pricier low deductibles for comp and collision coverage costs an additional $238 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,544
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $4,614 each year

Car insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your risk profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $360 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.

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 Buy Affordable Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from local exclusive and independent agents.

Below you'll find a brief review of the information covered in the above illustrations.

• It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, with premiums being up to $385 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $350 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,370 more each year than a low-risk driver
• Insureds who require more liability protection will pay about $530 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits