Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive costs approximately $198, collision costs $300, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage 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:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/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

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location, instead of using average rates.

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

Additional Rate Analysis

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 price for a 40-year-old good driver who chooses $500 deductibles is $1,130
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,350
• Drivers who are prone to accidents and violations could pay around $2,442 or more
• An auto insurance policy that insures a teen driver for full coverage 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 record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. Lexus IS 350 insurance for high-risk drivers can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature 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 in the ballpark of $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 $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.

Using high physical damage deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will push prices upward. Changing 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

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so the 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 Cheap Lexus IS 350 Insurance

Finding better rates on car insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a brief summary of the ideas that were presented in the illustrations above.

• Youthful drivers are expensive to insure, with the cost nearing $372 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations will likely pay on average $1,310 more per year than a low-risk driver
• Increasing policy deductibles can save approximately $325 each year
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date