Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage insurance. Comprehensive insurance costs an estimated $198 each year, collision costs $300, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,442 or more. Teens pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

These rate differences illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save approximately $114 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,130
• Selecting low deductibles costs an additional $220 every year
• At-risk drivers with serious driving violations could pay up to $2,442 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,462

Auto insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,300 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,530 on average in Florida, New York, and Michigan.

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 Cheaper Lexus IS 350 Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a condensed summary of the material that was covered in the charts and tables above.

• Policyholders who want higher levels of liability will pay approximately $520 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teenage drivers are the costliest to insure, with premiums being up to $372 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,310 more annually for auto insurance
• Increasing policy deductibles could save up to $325 each year