Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated Lexus IS 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save approximately $114 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,130
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $220 each year
• Drivers with serious driving violations could pay up to $2,442 or more
• The cost for full coverage for a teenage driver with full coverage can cost as much as $4,462 each year

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

An older driver with no driving violations and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age

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 $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,610 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,300 to $1,900 extra per year, depending on your age. High-risk driver insurance ranges around 43% to 128% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes can be significantly 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 Low Cost Lexus IS 350 Insurance

Saving money on auto insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

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

• Consumers who want additional liability coverage will pay approximately $520 each year to raise limits from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $372 per month if full coverage is included
• Drivers who have several accidents or serious violations pay an average of $1,310 more annually than a driver with a clean driving record
• Increasing deductibles can save around $325 each year