Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs an estimated $198 a year, collision costs $300, and liability coverage costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy 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:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location impacts insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $673
• Drivers who choose higher $1,000 deductibles will pay approximately $1,016 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,130
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $220 each year
• High-risk insureds with serious driving violations could pay up to $2,442 or more
• An auto insurance policy that insures a teenage driver can cost as much as $4,462 a year

Car 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 record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year 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 be charged at least $4,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay 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.

Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every company calculates prices differently, so rate quotes 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 Low Cost Lexus IS 350 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a review of the data touched on above.

• Consumers who want higher levels of liability will pay approximately $520 annually to go from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $130 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $325 each year
• Teenage drivers have the highest car insurance prices, with premiums being up to $372 per month if full coverage is purchased