Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs around $198, collision insurance costs $300, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,442 or more. Teenage drivers pay the most at up to $4,462 a year.

Average premium for full coverage: $1,130

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of using average rates.

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

Additional Rate Analysis

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

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

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

If you have a few violations or you caused an accident, you are probably paying at least $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,530 on average in Michigan, New York, and Florida.

Using high physical damage deductibles could cut prices by as much as $340 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

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 Affordable Lexus IS 350 Insurance

Finding better rates on car insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the material that was covered above.

• Policyholders who may need additional liability coverage will pay an extra $520 annually to increase from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers pay higher prices, with premiums being up to $372 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,310 more every year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $325 each year