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 approximately $198, collision costs $300, and liability costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,442 or more. Teenage drivers cost the most to insure at $4,462 a year or more.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location, instead of making a decision based on average rates.

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 and risk scenarios.

• The best discount rate is $673
• Drivers who choose higher $1,000 deductibles will pay $114 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,130
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $220 annually
• Drivers who are prone to accidents and violations could pay around $2,442 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $4,462 a year

Auto insurance rates for a Lexus IS 350 also range considerably based on the model of your IS 350, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year 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 in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,530 on average in Florida, New York, and Michigan.

Using high physical damage deductibles could save up to $340 annually, whereas buying more liability protection will push rates upward. 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 who has the best car insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, 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 More Affordable Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare prices every other policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a summary of the ideas that were touched on above.

• Youthful drivers have the highest car insurance rates, possibly costing $372 each month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,310 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date