Lexus IS 350 Insurance Rates

Average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs approximately $198, collision costs $300, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,442. Teenage drivers receive the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

These examples highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down estimated Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $673
• Drivers who choose higher $1,000 deductibles will pay $114 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,130
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,350
• Drivers who are prone to accidents and violations could pay around $2,442 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $4,462 a year

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

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 extra per year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $340 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different 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 More Affordable Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and avoiding coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

Below you'll find a summary of the concepts that were touched on in this article.

• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,310 more per year than a low-risk driver
• Youthful drivers pay the highest auto insurance rates, as much as $372 per month if comprehensive and collision insurance is included
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $325 each year
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date