Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year including full coverage. Comprehensive costs around $198 each year, collision costs $300, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,442. Teenage drivers pay the highest rates at $4,462 a year or more.

Average premium for full coverage: $1,130

Price estimates for individual coverage:

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and IS 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why all drivers should get quotes for a specific zip code and risk profile, rather than 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 choices and driver risks.

• The best discount rate is $673
• Choosing higher $1,000 deductibles can save about $114 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,130
• Using low deductibles for comp and collision coverage will increase the cost to $1,350
• Drivers who are prone to accidents and violations could pay at least $2,442 or more
• The price for full coverage for a teenage driver can be $4,462 each year

Auto insurance prices for a Lexus IS 350 are also quite variable based on your driving record, the model of your IS 350, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,610 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles can save as much as $340 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,300 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 the Best Lexus IS 350 Insurance

Getting lower rates on auto insurance takes having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief recap of the car insurance concepts presented in the illustrations above.

• Drivers who tend to receive serious violations pay on average $1,310 more every year to buy Lexus IS 350 insurance
• You may be able to save up to $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $325 each year
• Consumers who may need increased levels of liability coverage will pay an extra $520 per year to raise limits from a low limit to 250/500 limits