Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $673
• Drivers who choose higher $1,000 deductibles will pay $114 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,130
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,350
• Drivers with serious driving violations could pay around $2,442 or more
• An auto insurance policy that insures a 16-year-old driver can cost $4,462 a year

Car insurance prices for a Lexus IS 350 also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $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 in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus IS 350 insurance prices. 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 annually, whereas increasing liability limits will push prices upward. 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 who has the best car insurance prices is to do a rate comparison from multiple companies. 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 More Affordable Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 not only requires avoiding accidents and violations, but also having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,310 more per year for car insurance
• Teenagers pay the highest auto insurance prices, with premiums being up to $372 per month if full coverage is purchased
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $325 each year
• It is possible to save around $130 per year simply by quoting online in advance