Lexus IS 350 Insurance Rates

Estimated auto insurance rates for a Lexus IS 350 are $1,130 annually with full coverage. Comprehensive insurance costs around $198, collision costs $300, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,442 or more. 16-year-old drivers pay the most at $4,462 a year or more.

Average premium for full coverage: $1,130

Premium estimates for type of coverage:

These estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $673
• Raising to $1,000 deductibles will save about $114 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,130
• Buying pricier low deductibles costs an additional $220 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,442 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $4,462

Insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your driving record, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months 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 can expect to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,300 to $1,900 extra annually, depending on your age. Lexus IS 350 insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $340 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $810 a year in states like New Hampshire, Ohio, and Utah, or at least $1,530 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so the 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 Cheap Lexus IS 350 Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having a good credit history, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.

The following is a brief summary of the material that was touched on above.

• Policyholders who may need higher liability limits will pay around $520 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teens pay higher prices, possibly costing $372 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,310 more every year for IS 350 insurance
• Increasing policy deductibles could save up to $325 each year