Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,176 annually for full coverage. Comprehensive costs an estimated $212 a year, collision costs $328, and liability insurance is $478. A policy with only liability insurance costs around $526 a year, with a high-risk policy costing around $2,544. Teen drivers pay the most at $4,614 a year or more.

Average premium for full coverage: $1,176

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 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 significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $697
• Raising to $1,000 deductibles will save approximately $1,054 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,176
• Choosing low $100 deductibles will cost $1,414
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,544 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,614

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $360 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

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 $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, 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 More Affordable Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a summary of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 have the highest car insurance prices, as much as $385 per month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,370 more annually to insure a Lexus IS 350
• Increasing policy deductibles could save up to $350 each year
• Drivers can save approximately $140 per year simply by quoting early and online