Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage insurance. Comprehensive costs on average $198, collision costs $300, and liability insurance costs around $474. A policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing around $2,442. Teens pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical 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 has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save around $114 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,130
• Selecting more expensive low deductibles for physical damage coverage will cost $1,350
• Drivers with serious driving violations could pay upwards of $2,442 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,462 or more

Car insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your risk profile, and policy deductibles and limits.

An older driver with no driving violations 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 will be charged upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. 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 $740 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,530 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company calculates prices differently, so rate quotes 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 Low Cost Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.

The following is a review of the ideas that were touched on in the above illustrations.

• Teens are expensive to insure, with premiums being up to $372 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,310 more each year for IS 350 insurance
• Increasing policy deductibles could save up to $325 each year
• It is possible to save as much as $130 per year simply by shopping early and online