Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below illustrates estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $673
• Raising to $1,000 deductibles will save about $114 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,130
• Using low deductibles will cost an extra $220 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,442 or more
• The price for full coverage for a teenage driver can be $4,462

Insurance prices for a Lexus IS 350 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $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 $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,530 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can reduce prices by up to $340 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite 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 More Affordable Lexus IS 350 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a summary of the material that was presented in the illustrations above.

• Consumers who may need higher liability limits will pay an extra $520 annually to raise from a low limit to 250/500 limits
• Teenagers are charged the highest prices, as much as $372 a month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may pay on average $1,310 more every year for car insurance
• Increasing physical damage deductibles can save around $325 each year