Lexus IS 350 Insurance Rates

Average insurance prices for a Lexus IS 350 are $1,130 every 12 months for full coverage. Comprehensive insurance costs approximately $198, collision costs $300, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,442 or more. Teens receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

These examples show why everyone should compare prices using their specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Details

The chart below shows estimated Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save $114 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,130
• Selecting pricier low deductibles for physical damage coverage costs an extra $220 a year
• Drivers with serious driving violations could pay around $2,442 or more
• The cost to insure a teen driver for full coverage can cost $4,462 or more

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $340 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,300 to $1,900 in extra premium per year, depending on your age. Lexus IS 350 insurance for high-risk drivers can be anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,610 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, and quoted rates can be significantly 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 the Cheapest Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the data that was covered in the charts and tables above.

• Drivers can save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase higher liability limits will pay approximately $520 each year to increase from a minimum limit to a 250/500 level
• Teenagers have the highest car insurance rates, costing as high as $372 per month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may pay on average $1,310 more per year for car insurance