Lexus IS 350 Insurance Rates

The average insurance prices for a Lexus IS 350 are $1,130 every 12 months including full coverage. Comprehensive insurance costs around $198 a year, collision costs $300, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,442 or more. Teens cost the most to insure at $4,462 a year or more.

Average premium for full coverage: $1,130

Policy rates for type of insurance:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $673
• Choosing higher $1,000 deductibles can save about $1,016 every year
• The average price for a good driver age 40 using $500 deductibles is $1,130
• Selecting low $100 deductibles for comp and collision coverage costs an extra $220 every year
• Unlucky drivers with serious driving violations could pay at least $2,442 or more
• Policy cost to insure a teen driver can be $4,462 each year

Car insurance rates for a Lexus IS 350 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 128% more than the average policy. View High Risk Driver Rates

Your home state 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 have to pay at least $1,610 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 Shop for the Best Lexus IS 350 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the car insurance concepts covered above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,310 more every year for IS 350 insurance
• You may be able to save up to $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Policyholders who may need higher liability limits will pay approximately $520 per year to raise limits from a 30/60 limit to a 250/500 level