Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive costs on average $198 a 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. Teen drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. 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 can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location, instead of using price averages.

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

More Rate Information

The chart below illustrates estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $673
• Drivers who choose higher $1,000 deductibles will pay around $1,016 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,130
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,350
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• An auto insurance policy that insures a teen driver may cost $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 policy deductibles and limits.

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

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards 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 Vermont, Wisconsin, and North Carolina, or as much as $1,530 on average in Michigan, New York, and Florida.

Choosing high deductibles could save up to $340 every year, while buying higher liability limits will cost you more. 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 exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, 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 Cheap Lexus IS 350 Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the ideas that were presented in the illustrations above.

• Teenagers are expensive to insure, with premiums being up to $372 per month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,310 more each year for car insurance
• Increasing policy deductibles can save approximately $325 each year
• It is possible to save as much as $130 per year simply by quoting early and online