Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,176 a year for full coverage. Comprehensive insurance costs approximately $212, collision costs $328, and liability costs $478. A policy with just liability insurance costs as little as $526 a year, with coverage for high-risk drivers costing $2,544 or more. 16-year-old drivers pay the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Price estimates by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why everyone should compare rates using their specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $697
• Drivers who choose higher $1,000 deductibles will pay $122 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,176
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $238 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,544 or more
• The price for full coverage for a teen driver for full coverage can cost $4,614 a year

Insurance prices for a Lexus IS 350 are also quite variable based on your driving record, the trim level of your IS 350, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver 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 could save up to $360 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, so the prices may be quite 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 Low Cost Lexus IS 350 Insurance

Getting lower rates on car insurance not only requires being a good driver, but also maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a review of the ideas that were covered above.

• Drivers age 16 to 20 are expensive to insure, with premiums as much as $385 a month for full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $1,370 more per year than a safer driver
• Increasing physical damage deductibles can save around $350 each year
• Drivers can save around $140 per year simply by quoting online well ahead of the renewal date