Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,176 a year with full coverage. Comprehensive insurance costs around $212 a year, collision costs $328, and liability coverage is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing $2,544 or more. Teen drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates for individual coverage type:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples demonstrate why it is important to compare rates quotes for a specific zip code, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $697
• Raising to $1,000 deductibles will save about $1,054 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,176
• Choosing low $100 deductibles will cost an additional $238 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,544 or more
• The cost that insures a teenage driver can be $4,614

Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $850 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,590 on average in Florida, Michigan, and New York.

Choosing high deductibles can reduce rates by up to $360 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different.

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

Saving money on auto insurance consists of being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a condensed summary of the information covered in the above illustrations.

• You may be able to save up to $140 per year simply by quoting early and online
• Teen drivers are the costliest to insure, with premiums as much as $385 per month if full coverage is purchased
• Increasing deductibles can save approximately $350 each year
• Drivers with multiple at-fault accidents may pay on average $1,370 more every year to insure their IS 350
• Consumers who may need more liability coverage will pay about $530 every year to raise from a minimum limit to the 250/500 level