Lexus IS 350 Insurance Rates

Estimated insurance prices for a Lexus IS 350 are $1,130 every 12 months with full coverage. Comprehensive insurance costs an estimated $198 a year, collision costs $300, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,442 or more. Teens pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Lexus IS 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $673
• Raising to $1,000 deductibles will save approximately $1,016 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,130
• Selecting low $100 deductibles costs an extra $220 each year
• Unlucky drivers with serious driving violations could pay up to $2,442 or more
• An auto insurance policy to insure a teenage driver can cost as much as $4,462

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,300 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,530 on average in New York, Michigan, and Florida.

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and 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 Shop for Cheap Lexus IS 350 Insurance

Finding better rates on auto insurance consists of being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the primary concepts that were covered above.

• You may be able to save approximately $130 per year simply by quoting early and online
• Drivers that tend to have accidents or serious violations may pay on average $1,310 more annually than a safer driver
• Increasing policy deductibles could save as much as $325 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $372 per month if full coverage is included