Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,176 a year including full coverage. Comprehensive insurance costs approximately $212, collision costs $328, and liability insurance costs $478. A policy with just liability insurance costs as little as $526 a year, with coverage for high-risk drivers costing $2,544 or more. Teenage drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

These examples highlight why everyone should compare rates using their specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $697
• Drivers who choose higher $1,000 deductibles will pay $122 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,176
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $238 a year
• High risk drivers who are prone to accidents and violations could pay around $2,544 or more
• The cost that insures a teen driver for full coverage can cost $4,614 a year

Insurance rates for a Lexus IS 350 can also vary considerably based on the model of your IS 350, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,680 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $360 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and 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 Find Affordable Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The next list is a brief review of the data that was touched on in the above illustrations.

• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase increased levels of liability coverage will pay an extra $530 per year to go from a minimum limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, as much as $385 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,370 more per year to buy Lexus IS 350 insurance