Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive costs on average $198, collision insurance costs $300, and liability costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs around $2,442. Teens pay the most at up to $4,462 a year.

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below details average Lexus IS 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $673
• Using higher $1,000 deductibles will save around $114 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,130
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,350
• Drivers with serious driving violations could pay upwards of $2,442
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,462 or more

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

An older driver with no driving violations and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see prices as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,530 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 128% more than the average policy. View High Risk Driver Rates

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

Finding better rates on car insurance requires being a low-risk driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a summary of the material that was illustrated above.

• Policyholders who require more liability coverage will pay approximately $520 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are expensive to insure, possibly costing $372 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,310 more each year to insure their IS 350
• Increasing policy deductibles can save around $325 each year