Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,176 a year for full coverage insurance. Comprehensive insurance costs around $212, collision costs $328, and liability coverage costs $478. Liability-only insurance costs as little as $526 a year, with high-risk driver insurance costing $2,544 or more. Teens cost the most to insure at $4,614 a year or more.

Average premium for full coverage: $1,176

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why everyone should compare rates for a specific zip code, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $697
• Drivers who choose higher $1,000 deductibles will pay about $122 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,176
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $238 each year
• High-risk insureds with serious driving violations could pay at least $2,544 or more
• Policy cost that insures a teenage driver for full coverage can be $4,614 a year

Auto insurance rates for a Lexus IS 350 also range considerably based on the model of your IS 350, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,590 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

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 the Right Lexus IS 350 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare rates at every policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the data covered in the charts and tables above.

• Consumers who may need higher liability limits will pay approximately $530 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teenagers are expensive to insure, possibly costing $385 each month if the policy includes full coverage