Lexus IS 350 Insurance Rates

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

Average premium for full coverage: $1,130

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and IS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

These rate differences illustrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $673
• Choosing higher $1,000 deductibles can save $1,016 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,130
• Choosing low $100 deductibles for comp and collision coverage costs an additional $220 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,442 or more
• An auto insurance policy with full coverage for a teen driver can cost $4,462 each year

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

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 annually 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 will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $340 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,530 on average in Florida, New York, and Michigan.

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, so rate quotes 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 Low Cost Lexus IS 350 Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest the time to shop around at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the concepts that were illustrated above.

• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,310 more per year for car insurance
• Teenagers pay the highest auto insurance prices, with premiums being up to $372 per month if comprehensive and collision insurance is included
• It is possible to save around $130 per year simply by quoting early and online
• Increasing policy deductibles could save up to $325 each year
• It is possible to save around $130 per year simply by quoting early and online