Lexus IS 350 Insurance Rates

U.S. average insurance prices for a Lexus IS 350 are $1,130 every 12 months with full coverage. Comprehensive insurance costs an estimated $198 each year, collision costs $300, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,442 or more. 16-year-old drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates broken down by individual coverage:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have more infrequent collision claims than congested cities.

The graphic below illustrates how where you live affects insurance prices.

The ranges above demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save approximately $114 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,130
• Buying low deductibles for comp and collision coverage costs an extra $220 a year
• High-risk insureds with multiple tickets or accidents could pay up to $2,442 or more
• The price to insure a teen driver can cost as much as $4,462 each year

Insurance prices for a Lexus IS 350 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $340 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,530 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices may be quite 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 Cheap Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief summary of the data touched on in the above illustrations.

• Drivers who want increased levels of liability coverage will pay around $520 every year to raise limits from a low limit to a 250/500 level
• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers age 20 and younger are expensive to insure, costing up to $372 a month if full coverage is included