Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs on average $198 a year, collision insurance costs $300, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,442. Teenage drivers pay the most at up to $4,462 a year.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, 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

Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location, rather than using average rates.

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

More Rate Information

The chart below details average Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save around $1,016 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,130
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,350
• Drivers who are prone to accidents and violations could pay upwards of $2,442
• An auto insurance policy that insures a teenage driver may cost $4,462 each year

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 policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually 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 can expect to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,530 on average in Florida, Michigan, and New York.

Using high physical damage deductibles can save as much as $340 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

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 Right Lexus IS 350 Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices at least once a year by getting price quotes from direct companies, and also from several local insurance agents.

Below is a quick rundown of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $130 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions pay on average $1,310 more each year for auto insurance
• Increasing policy deductibles can save approximately $325 each year
• Teenage drivers pay the highest prices, possibly costing $372 per month if full coverage is included