Lexus IS 350 Insurance Rates

Average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs approximately $198 a year, collision costs $300, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,442. Teen drivers receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than using price averages.

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 lowest rate with discounts is $673
• Choosing higher $1,000 deductibles can save $1,016 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,130
• Choosing low $100 deductibles for comp and collision coverage will cost $1,350
• Drivers with multiple violations and an at-fault accident could pay around $2,442 or more
• The cost with full coverage for a teenage driver can cost $4,462 each year

Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $340 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,610 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.

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 Cheaper Lexus IS 350 Insurance

Saving money on auto insurance takes being a good driver, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following list is a condensed summary of the data covered above.

• Consumers who purchase an increased level of liability coverage will pay about $520 per year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save around $130 per year simply by quoting early and online
• Increasing deductibles could save up to $325 each year
• Drivers age 16 to 20 pay the highest auto insurance rates, as much as $372 per month if comprehensive and collision insurance is included