Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Rate estimates for individual coverage type:

Prices include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save about $1,016 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,130
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,350
• Unlucky drivers with serious driving violations could pay at least $2,442 or more
• The cost for full coverage for a teen driver can be $4,462 each year

Insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the model of your IS 350, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you 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 $870 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,610 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,300 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 128% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and rates can be significantly different from one company to the next.

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 Right Lexus IS 350 Insurance

Saving money on car insurance takes having a good driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates once a year by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a quick rundown of the data that was presented in the illustrations above.

• You may be able to save up to $130 per year simply by quoting early and online
• Policyholders who may need increased levels of liability coverage will pay approximately $520 per year to raise limits from a minimum limit to 250/500 limits
• Drivers age 20 and younger are charged the highest rates, as much as $372 per month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,310 more every year to buy Lexus IS 350 insurance