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 around $198 each year, collision costs $300, and liability insurance is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,442 or more. Teens cost the most to insure at $4,462 a year or more.

Average premium for full coverage: $1,130

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and IS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance rates.

The examples above illustrate why all drivers should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save about $114 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,130
• Selecting low deductibles will cost an additional $220 a year
• Higher-risk drivers with serious driving violations could pay at least $2,442 or more
• Policy cost that insures a teen driver can be $4,462

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

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

Your home state also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,530 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, and quoted 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 Cheap Lexus IS 350 Insurance

Finding cheaper rates on Lexus IS 350 insurance consists of being a good driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare rates at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the concepts that were touched on above.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,310 more every year than a safer driver
• Drivers age 16 to 20 are expensive to insure, possibly costing $372 each month if the policy includes full coverage
• It is possible to save up to $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• It is possible to save up to $130 per year simply by quoting online in advance