Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive costs on average $198, collision costs $300, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,442. Teen drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below illustrates estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $673
• Choosing higher $1,000 deductibles can save around $114 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,130
• Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,350
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,462 each year

Auto insurance prices for a Lexus IS 350 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,530 on average in Michigan, New York, and Florida.

Choosing high deductibles can save as much as $340 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,300 to $1,900 in extra premium annually, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 43% to 128% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially 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 Cheapest Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a recap of the primary concepts that were covered above.

• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that have major violations or accidents pay an average of $1,310 more each year than a driver with a clean driving record
• Increasing policy deductibles can save around $325 each year
• 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $372 per month if they have full coverage