Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,212 a year with full coverage. Comprehensive costs around $218, collision costs $362, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,626. 16-year-old drivers pay the most at $4,732 a year or more.

Average premium for full coverage: $1,212

Premium estimates for type of coverage:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance rates.

These rate differences demonstrate why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $713
• Choosing higher $1,000 deductibles can save about $132 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,212
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,468
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,626 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $4,732 each year

Auto insurance prices for a Lexus IS 350 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Where you choose to 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 $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,640 on average in Florida, Michigan, and New York.

Opting for high physical damage deductibles can save as much as $390 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium annually, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 42% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially 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 Cheaper Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 takes being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the material that was presented in the illustrations above.

• Insureds who may need higher levels of liability will pay around $520 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Teenage drivers are expensive to insure, possibly costing $394 per month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,410 more every year for auto insurance
• Increasing policy deductibles can save around $400 each year