Lexus IS 350 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 350 are $1,212 annually with full coverage. Comprehensive costs approximately $218 a year, collision costs $362, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,626. Teens pay the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,212

Price estimates by individual coverage:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and IS 350 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $713
• Raising to $1,000 deductibles will save $1,080 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,212
• Selecting low $100 deductibles will cost $1,468
• At-risk drivers with serious driving violations could pay around $2,626 or more
• The price with full coverage for a teen driver can cost $4,732

Car insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your driving record, 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 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $390 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,640 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, so rate quotes may be quite 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 the Cheapest Lexus IS 350 Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Make time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the primary concepts that were touched on in this article.

• You may be able to save around $140 per year simply by quoting early and online
• Higher risk drivers that have major violations or accidents may pay on average $1,410 more per year for auto insurance
• Increasing physical damage deductibles could save up to $400 each year
• Teenage drivers pay the highest auto insurance prices, costing up to $394 a month if comprehensive and collision insurance is included