Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $300, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,442 or more. Teen drivers pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates broken down by individual coverage:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine insurance prices.

The ranges above highlight why everyone should compare rates quotes for a targeted area, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $673
• Raising to $1,000 deductibles will save approximately $114 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,130
• Choosing pricier low deductibles will cost an additional $220 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,442
• The price that insures a teenage driver for full coverage can cost as much as $4,462

Insurance prices for a Lexus IS 350 are also quite variable based on the model of your IS 350, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,300 to $1,900 additional each year, depending on your age. Lexus IS 350 insurance for high-risk drivers is expensive and can cost around 43% to 128% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

The state you live in also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find prices 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.

Choosing high deductibles can reduce prices by up to $340 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Lexus IS 350 Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and possibly raising deductibles. Shop around at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the car insurance concepts covered in the charts and tables above.

• Drivers with multiple at-fault accidents could be charged and average of $1,310 more annually for IS 350 insurance
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $325 each year
• Consumers who want higher liability limits will pay about $520 per year to raise from a low limit to the 250/500 level