Lexus IS 350 Insurance Rates

The average auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage insurance. Comprehensive costs on average $212, collision costs $328, and liability insurance is $478. Buying just liability costs around $526 a year, with insurance for high-risk drivers costing around $2,544. Teen drivers cost the most to insure at $4,614 a year or more.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $697
• Raising to $1,000 deductibles will save around $122 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,176
• Choosing more expensive low deductibles will cost $1,414
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,544 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $4,614

Insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $360 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Best Cheap Lexus IS 350 Insurance

Finding cheaper rates on Lexus IS 350 insurance consists of being safe and accident-free, having a good credit history, being claim-free, and bundling your home and auto policies. Invest the time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick review of the data that was presented in the illustrations above.

• It is possible to save as much as $140 per year simply by shopping early and online
• Drivers who require more liability protection will pay about $530 annually to raise from a 30/60 limit to higher 250/500 limits
• Youthful drivers pay the highest rates, possibly costing $385 each month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,370 more each year than a low-risk driver