Lexus IS 350 Insurance Rates

U.S. average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs approximately $198, collision insurance costs $300, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,442 or more. Teens pay the highest rates at up to $4,462 a year.

Average premium for full coverage: $1,130

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all IS 350 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location, instead of using averaged prices.

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

Additional Rate Information

The chart below illustrates average Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $673
• Drivers who choose higher $1,000 deductibles will pay $114 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,130
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $220 every year
• Higher-risk drivers with serious driving violations could pay around $2,442
• The price that insures a teen driver for full coverage can cost $4,462 a year

Auto insurance prices for a Lexus IS 350 are also quite variable based on the model of your IS 350, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost as much as 43% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,400 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 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 the Best Lexus IS 350 Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare rates at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief recap of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $130 per year just by quoting online well ahead of the renewal date
• Higher risk drivers who tend to receive serious violations could be charged and average of $1,310 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $325 each year
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $372 a month if the policy includes full coverage