Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive insurance costs approximately $198 each year, collision costs $300, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,442 or more. 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 are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

These rate differences highlight why all drivers should compare prices using their 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.

Rates by State, City, and Model

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

• The best discount rate is $673
• Using higher $1,000 deductibles will save $114 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,130
• Using low deductibles for physical damage coverage costs an additional $220 a year
• Drivers who are prone to accidents and violations could pay around $2,442 or more
• An auto insurance policy with full coverage for a teen driver can cost $4,462 or more

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark 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 anywhere from $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $340 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the 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 Affordable Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance requires being safe and accident-free, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $130 per year simply by quoting online in advance
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,310 more per year than a low-risk driver
• Increasing policy deductibles could save up to $325 each year
• Youthful drivers are expensive to insure, with the cost nearing $372 per month including comprehensive and collision insurance