Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs on average $198 a year, collision costs $300, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,442. Teen drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location and risk profile, instead of using price averages.

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

Detailed Rate Analysis

The chart below details estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $673
• Drivers who choose higher $1,000 deductibles will pay around $1,016 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,130
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,350
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• An auto insurance policy for full coverage for a teen driver may cost $4,462 a year

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

Older drivers with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,530 on average in Florida, Michigan, and New York.

Choosing high deductibles could save up to $340 every year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

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 Best Cheap Lexus IS 350 Insurance

Finding better rates on car insurance not only requires being a good driver, but also having good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a quick review of the information touched on in the above illustrations.

• You may be able to save as much as $130 per year simply by quoting early and online
• Drivers age 16 to 20 are charged the highest prices, possibly costing $372 per month if they have full coverage
• Increasing policy deductibles can save around $325 each year
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,310 more each year than a safer driver
• Policyholders who require an increased level of liability coverage will pay about $520 every year to go from 30/60 bodily injury limits to 250/500 limits