Lexus IS 350 Insurance Rates

The average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs an estimated $198 each year, collision costs $300, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,442 or more. Teen drivers cost the most to insure at $4,462 a year or more.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

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

The examples above illustrate why all drivers should compare prices for a targeted area, rather than 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 other coverage scenarios.

• The lowest rate with discounts is $673
• Using higher $1,000 deductibles will save approximately $114 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,130
• Choosing low deductibles for physical damage coverage will cost an additional $220 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,442 or more
• Policy cost that insures a teenage driver can cost as much as $4,462 or more

Insurance rates for a Lexus IS 350 also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 128% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,530 on average in Florida, New York, and Michigan.

Choosing high deductibles could cut rates by as much as $340 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied.

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 Best Lexus IS 350 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief recap of the car insurance concepts covered in the above illustrations.

• Drivers who tend to receive serious violations may have to pay on average $1,310 more annually to insure a Lexus IS 350
• It is possible to save approximately $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Consumers who want increased liability limits will pay about $520 annually to increase from a 30/60 limit to the 250/500 level