Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage insurance. Comprehensive costs around $198 a year, collision insurance costs $300, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver 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 for type of coverage:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $673
• Drivers who choose higher $1,000 deductibles will pay about $1,016 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,130
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,350
• Drivers with serious driving violations could pay at least $2,442
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,462 a year

Insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,300 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $340 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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 $740 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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 the Cheapest Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by quoting rates from direct insurance companies, and also from several local insurance agents.

The items below are a recap of the information covered in the charts and tables above.

• It is possible to save up to $130 per year just by quoting early and online
• Teen drivers are charged the highest prices, with premiums being up to $372 per month if they have full coverage
• Increasing policy deductibles could save up to $325 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,310 more every year to insure their IS 350
• Insureds who may need more liability coverage will pay approximately $520 annually to go from 30/60 bodily injury limits to higher 250/500 limits