Lexus IS 350 Insurance Rates

Estimated insurance prices for a Lexus IS 350 are $1,130 every 12 months with full coverage. Comprehensive costs around $198 a year, collision costs $300, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,442. Teenage drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates for type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured 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 can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save about $1,016 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,130
• Using low $100 deductibles for comp and collision coverage increases the price to $1,350
• Unlucky drivers who are prone to accidents and violations could pay at least $2,442 or more
• An auto insurance policy to insure a teen driver can be $4,462 each year

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

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

Older drivers with a good driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

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

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance prices. 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.

With such a large range in prices, the best way to find out your exact price is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, 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 Shop for Affordable Lexus IS 350 Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct companies, and also from several local insurance agents.

Below you'll find a brief review of the data that was touched on in this article.

• You may be able to save up to $130 per year simply by quoting early and online
• Policyholders who may need more liability protection will pay an extra $520 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers are expensive to insure, possibly costing $372 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,310 more every year than a low-risk driver