Lexus IS 350 Insurance Rates

Average insurance prices for a Lexus IS 350 are $1,176 every 12 months with full coverage. Comprehensive costs around $212 each year, collision costs $328, and liability insurance is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing around $2,544. Teenage drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $697
• Choosing higher $1,000 deductibles can save about $122 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,176
• Using low deductibles for comp and collision coverage increases the price to $1,414
• High-risk insureds who are prone to accidents and violations could pay at least $2,544 or more
• The cost to insure a teen driver can be $4,614 each year

Auto insurance rates for a Lexus IS 350 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $360 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,590 on average in Florida, Michigan, and New York.

With so much variability in rates, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, 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 Cheap Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the concepts that were touched on in this article.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,370 more every year to insure a Lexus IS 350
• Drivers under the age of 20 are expensive to insure, with premiums as much as $385 per month if comprehensive and collision insurance is included
• You may be able to save up to $140 per year simply by quoting online in advance
• Increasing deductibles could save as much as $350 each year
• You may be able to save up to $140 per year simply by quoting online in advance