Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,176 a year for full coverage. Comprehensive insurance costs an estimated $212, collision costs $328, and liability is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing $2,544 or more. 16-year-old drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.

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

These examples show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

The chart below shows estimated Lexus IS 350 insurance rates for other coverage scenarios.

• The best full coverage rate is $697
• Choosing higher $1,000 deductibles can save approximately $122 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,176
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $238 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,544 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,614 each year

Insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the trim level of your IS 350, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or at least $1,680 on average in New York, Louisiana, and Michigan.

Opting for high physical damage deductibles can save as much as $360 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly 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 Affordable Lexus IS 350 Insurance

Saving money on insurance for a Lexus IS 350 takes being a safe and courteous driver, maintaining good credit, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates once a year by getting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

Below is a brief review of the data that was touched on in this article.

• Drivers can save approximately $140 per year simply by shopping early and online
• Insureds who want higher levels of liability will pay around $530 each year to raise limits from a minimum limit to 250/500 limits
• Teenage drivers are charged the highest rates, costing as high as $385 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,370 more annually for auto insurance