Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs on average $198, collision costs $300, and liability insurance is $474. Liability-only insurance costs around $522 a year, with high-risk driver 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 by type of coverage:

Prices include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

These rate differences highlight why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $673
• Raising to $1,000 deductibles will save around $114 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,130
• Using pricier low deductibles will cost $1,350
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,442 or more
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $4,462

Insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,900 additional annually, depending on your age. Lexus IS 350 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $340 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find prices as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,610 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy the Right Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance consists of not taking risks behind the wheel, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting quotes from direct car insurance companies, and also from several local insurance agents.

The following is a quick rundown of the information touched on above.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Teens pay higher prices, with the cost nearing $372 per month if they have full coverage
• Increasing policy deductibles could save up to $325 each year
• High-risk drivers with reckless driving or DUI convictions pay on average $1,310 more each year for IS 350 insurance
• Drivers who require higher liability limits will pay an extra $520 per year to raise from 30/60 bodily injury limits to higher 250/500 limits