Lexus IS 350 Insurance Rates

Estimated insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive costs around $198 each year, collision costs $300, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,442. 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:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and IS 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

These rate differences illustrate why all drivers should compare rates for a specific zip code, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $673
• Drivers who choose higher $1,000 deductibles will pay about $114 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,130
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,350
• High risk drivers with multiple tickets or accidents could pay at least $2,442 or more
• An auto insurance policy that insures a teen driver can be $4,462 a year

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

If you have a few violations or you caused an accident, you are probably paying at least $1,300 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and quoted prices 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 Find the Best Cheap Lexus IS 350 Insurance

Finding better rates on Lexus IS 350 insurance not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the car insurance concepts illustrated above.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,310 more every year to buy Lexus IS 350 insurance
• It is possible to save up to $130 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $325 each year
• Drivers who may need increased levels of liability coverage will pay around $520 annually to go from 30/60 bodily injury limits to the 250/500 level