Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage. Comprehensive costs on average $198, collision insurance costs $300, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,442. 16-year-old drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $673
• Using higher $1,000 deductibles will save around $114 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,130
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,350
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,442
• Policy cost for full coverage for a teenage driver with full coverage may cost $4,462 or more

Car insurance rates for a Lexus IS 350 also range considerably based on your risk profile, the trim level of your IS 350, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Idaho, Maine, and Iowa, or at least $1,610 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles could cut rates by as much as $340 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can be around 43% to 128% more than the average rate. View High Risk Driver Rates

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 Low Cost Lexus IS 350 Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below is a review of the primary concepts that were touched on in the above illustrations.

• Drivers can save as much as $130 per year just by shopping early and online
• Drivers who have several accidents or serious violations will pay on average $1,310 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teenage drivers are expensive to insure, costing up to $372 each month if full coverage is included