Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,176 a year for full coverage. Comprehensive insurance costs an estimated $212 each year, collision insurance costs $328, and liability costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs $2,544 or more. Teenage drivers cost the most to insure at up to $4,614 a year.

Average premium for full coverage: $1,176

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The examples above show why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $697
• Using higher $1,000 deductibles will save approximately $122 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,176
• Using low deductibles for physical damage coverage will cost an extra $238 every year
• Drivers who are prone to accidents and violations could pay up to $2,544
• Policy cost for full coverage for a teen driver can cost as much as $4,614 or more

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

More mature drivers with a clean driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,680 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could cut rates by as much as $360 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

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 Low Cost Lexus IS 350 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the ideas that were presented in the illustrations above.

• Teenagers are charged the highest rates, costing up to $385 each month for full coverage
• Higher risk drivers who have several accidents or serious violations pay an average of $1,370 more annually for car insurance
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers can save approximately $140 per year just by quoting online in advance