Lexus IS 350 Insurance Rates

Average insurance rates for a Lexus IS 350 are $1,176 a year with full coverage. Comprehensive insurance costs around $212 a year, collision insurance costs $328, and liability costs $478. A policy with just liability insurance costs as little as $526 a year, and coverage for high-risk drivers costs $2,544 or more. Teenage drivers receive the highest rates at up to $4,614 a year.

Average premium for full coverage: $1,176

Rate estimates for individual coverage type:

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and IS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These examples demonstrate why it is important to compare rates for a specific zip code, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $697
• Drivers who choose higher $1,000 deductibles will pay about $1,054 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,176
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $238 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,544
• The cost that insures a teen driver can be $4,614 a year

Insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,590 on average in Florida, Michigan, and New York.

Using high physical damage deductibles could save up to $360 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit

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 More Affordable Lexus IS 350 Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a summary of the ideas that were touched on above.

• Teenage drivers are charged the highest rates, with premiums as much as $385 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,370 more every year for auto insurance
• Increasing deductibles can save approximately $350 each year
• You may be able to save up to $140 per year just by quoting early and online