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 a year, collision insurance costs $300, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage 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:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how your location can change insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $673
• Drivers who choose higher $1,000 deductibles will pay approximately $1,016 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,130
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $220 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,442
• The price that insures a teen driver can cost as much as $4,462 a year

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level 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 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

The state you live in makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay 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 could save up to $340 each year, while buying higher liability limits 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 per 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 Cheap Lexus IS 350 Insurance

Getting lower rates on Lexus IS 350 insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Shop around at least every other year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The next list is a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,310 more annually to buy Lexus IS 350 insurance
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers who want increased levels of liability coverage will pay about $520 per year to go from a low limit to the 250/500 level