Lexus IS 350 Insurance Rates

Estimated insurance prices for a Lexus IS 350 are $1,176 every 12 months with full coverage. Comprehensive costs approximately $212 each year, collision costs $328, and liability insurance costs around $478. A policy with only liability insurance costs as low as $526 a year, with a high-risk policy costing around $2,544. Teens pay the most at $4,614 a year or more.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why all drivers should compare prices using their specific location and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Lexus IS 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $697
• Using higher $1,000 deductibles will save $122 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,176
• Selecting low deductibles for physical damage coverage increases the price to $1,414
• Drivers with serious driving violations could pay around $2,544 or more
• An auto insurance policy to insure a teen driver can cost $4,614 or more

Car insurance prices for a Lexus IS 350 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your IS 350.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $360 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,590 on average in New York, Michigan, and Florida.

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so rate quotes will be substantially different.

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 Shop for the Cheapest Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below is a recap of the concepts that were raised in the charts and tables above.

• High-risk drivers that have major violations or accidents could be forced to pay on average $1,370 more per year for auto insurance
• Teenage drivers pay the highest auto insurance prices, possibly costing $385 per month if the policy includes full coverage
• You may be able to save around $140 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $350 each year
• You may be able to save around $140 per year simply by quoting online in advance