Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually for full coverage insurance. Comprehensive costs on average $198, collision costs $300, and liability insurance costs $474. A liability-only policy costs as little as $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:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist 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

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on price averages.

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

More 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
• Drivers who choose higher $1,000 deductibles will pay around $114 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,130
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,350
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $4,462 a year

Auto insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your risk profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year 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 have to pay upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few 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 can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates

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

Where you choose to live 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 as much as $1,530 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, and quoted prices 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 Low Cost Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.

The list below is a review of the ideas that were raised in the charts and tables above.

• Teenagers are charged the highest prices, with premiums being up to $372 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,310 more each year for car insurance
• Increasing policy deductibles could save up to $325 each year
• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date