Lexus IS-350 Insurance Rates
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UPDATED: Sep 2, 2022
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You are not alone if you ever asked yourself, “Is Lexus expensive to insure?” Prices vary from model to model and this article is focused on Lexus IS 350 insurance rates, which amount to $1,624 a year for full coverage.
In order to help you in your search for affordable Lexus IS 350 insurance costs, we’ve prepared this comprehensive guide. This article will detail exactly how Lexus IS 350 insurance rates are determined so you can shop for a policy like an expert.
You can even start comparing Lexus IS 350 quotes right now by taking advantage of our free online tool.
There are many options when buying insurance for your Lexus IS-350. You can buy from an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.
shopping for insurance may think buying cheap Lexus IS-350 insurance is very challenging. Finding lower Lexus IS-350 insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.
Car insurance premiums for a Lexus IS-350 will vary greatly based upon several criteria. Some of these factors include:
- The performance level of your IS-350
- Your accident history
- Use of your vehicle
- Extra coverages like towing and rental
- Your claim history
- No coverage lapses saves money
- Whether you own your home
An additional factor Lexus IS-350 insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.
Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.
Collision coverage - pays for damage to your IS-350 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Lexus IS-350 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .
Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.
To this point, you might have picked up on the fact that insurance companies consider a wide assortment of factors when quoting potential policyholders. That’s what makes it difficult to nail down things like the average insurance cost for a 16-year-old male or average cost of a Lexus.
You can discover what Lexus IS 350 insurance rates are available to you by using our free quote tool below.
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What are the safety ratings of the Lexus IS 350?
Insurance companies will look at the safety features and ratings of the model you drive in order to help them determine how much to charge for your Lexus IS 350 insurance cost.
Take a look at the following safety ratings of the Lexus IS 350 with crash test results conducted by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): N/R
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
These scores indicate that the Lexus IS 350 received the highest mark possible in each category that was tested.
Lexus IS 350 Compared Against Other Vehicles in the Same Class
Classified as a midsize four-door luxury car, the Lexus IS 350 has a lighter curb weight compared to some larger vehicles on the road. While some insurance companies might see this as less favorable, you can see how the Lexus IS 350 stacks up to similar models to see if you’re getting a good insurance deal.
Take a look at the following similar models to see how their average insurance rates compare to the Lexus IS 350.
When it comes down to the figures, the IIHS reports that the Lexus IS 350 has a property damage loss percentage of -14 percent, which is better than the average for this vehicle class.
Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Lexus IS 350 insurance quotes from multiple companies today.
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