Lexus IS 350 Insurance Rates

Estimated insurance prices for a Lexus IS 350 are $1,130 every 12 months with full coverage. Comprehensive costs an estimated $198, collision insurance costs $300, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,442. Teens pay the most at up to $4,462 a year.

Average premium for full coverage: $1,130

Premium estimates broken down by type of coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save approximately $114 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,130
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,350
• High-risk insureds with serious driving violations could pay up to $2,442
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $4,462 or more

Auto insurance prices for a Lexus IS 350 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,300 to $1,900 in extra premium annually, depending on your age. Lexus IS 350 insurance for high-risk drivers can be from 43% to 128% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,530 on average in New York, Michigan, 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 Shop for the Cheapest Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 requires having a decent driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a recap of the data that was raised in the charts and tables above.

• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Insureds who want additional liability coverage will pay approximately $520 every year to increase from 30/60 bodily injury limits to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $372 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,310 more annually than a driver with a clean driving record