Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage insurance. Comprehensive costs on average $198 each year, collision insurance costs $300, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,442. Teenage drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $673
• Using higher $1,000 deductibles will save around $114 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,130
• Using low deductibles for physical damage coverage will cost $1,350
• Drivers who are prone to accidents and violations could pay upwards of $2,442
• The price with full coverage for a teen driver may cost $4,462 or more

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $340 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,530 on average in Michigan, New York, and Florida.

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 Buy Low Cost Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance requires having a decent driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the car insurance concepts illustrated above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,310 more each year than a driver with a clean driving record
• It is possible to save as much as $130 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $325 each year
• Drivers who require additional liability coverage will pay an extra $520 annually to increase from a low limit to higher 250/500 limits