Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,176 a year with full coverage. Comprehensive costs approximately $212 a year, collision costs $328, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $2,544. Teens pay the most at $4,614 a year or more.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and IS 350 trim levels.

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. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why it is important to compare rates quotes using their specific location, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $697
• Raising to $1,000 deductibles will save $1,054 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,176
• Selecting low $100 deductibles bumps up the cost to $1,414
• At-risk drivers with serious driving violations could pay around $2,544 or more
• An auto insurance policy that insures a teen driver can cost $4,614

Auto insurance prices for a Lexus IS 350 also have a wide range based on the trim level of your IS 350, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision 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, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

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 $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,590 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

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 the Best Lexus IS 350 Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at least every other year by obtaining price quotes from direct companies, and also from local insurance agencies.

Below is a brief recap of the car insurance concepts covered above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,370 more per year for auto insurance
• You may be able to save around $140 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $350 each year
• Policyholders who purchase higher levels of liability will pay approximately $530 every year to raise from 30/60 bodily injury limits to the 250/500 level