Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive costs on average $198, 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. 16-year-old drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different 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 car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save around $114 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,130
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,350
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,442 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $4,462 each year

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

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 128% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,400 a year. View Rates by Age

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 $870 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,610 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles can save as much as $340 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, 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 Find the Best Lexus IS 350 Insurance

Finding better rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Comparison shop at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the concepts that were covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,310 more each year for auto insurance
• Teenage drivers are charged the highest prices, with the cost nearing $372 per month if the policy includes full coverage
• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $325 each year
• You may be able to save as much as $130 per year simply by shopping early and online