Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs an estimated $198, collision costs $300, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $673
• Using higher $1,000 deductibles will save approximately $114 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,130
• Buying more expensive low deductibles for physical damage coverage will cost an additional $220 a year
• Drivers with multiple tickets or accidents could pay up to $2,442 or more
• The price that insures a teen driver with full coverage can cost as much as $4,462 or more

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

If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,900 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could cut prices by as much as $340 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes 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 Find Affordable Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance requires avoiding accidents and claims, having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief review of the material that was covered in the charts and tables above.

• Drivers who want increased liability limits will pay around $520 annually to increase from a low limit to the 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, as much as $372 a month if full coverage is purchased
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,310 more annually to insure a Lexus IS 350
• Increasing physical damage deductibles can save approximately $325 each year