Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage insurance. Comprehensive insurance costs around $198, collision costs $300, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,442 or more. 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:

Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $673
• Drivers who choose higher $1,000 deductibles will pay about $114 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,130
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $220 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,442 or more
• The price with full coverage for a teenage driver for full coverage can be $4,462 a year

Insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,300 to $1,900 additional each year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $340 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,530 on average in Michigan, New York, and Florida.

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite 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

Getting lower rates on auto insurance not only requires having a good driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a review of the ideas that were illustrated above.

• Drivers age 20 and younger are charged the highest prices, as much as $372 a month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,310 more every year to buy Lexus IS 350 insurance
• Increasing physical damage deductibles could save up to $325 each year
• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date