Lexus IS 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 5, 2024
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Average auto insurance rates for a Lexus IS 350 are $1,130 annually with full coverage. Comprehensive costs an estimated $198, collision insurance costs $300, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,442. 16-year-old drivers receive the highest rates at up to $4,462 a year.
Average premium for full coverage: $1,130
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all IS 350 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,442 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.
These examples demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.
- The best full coverage rate is $673
- Drivers who choose higher $1,000 deductibles will pay approximately $114 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,130
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,350
- High-risk insureds with multiple tickets or accidents could pay up to $2,442
- The cost with full coverage for a teenage driver for full coverage can cost as much as $4,462 a year
Insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,300 to $1,900 extra per year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost around 43% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $340 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,530 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$106 | -9.4% |
| Alaska | $866 | -$264 | -23.4% |
| Arizona | $938 | -$192 | -17.0% |
| Arkansas | $1,130 | -$0 | 0.0% |
| California | $1,288 | $158 | 14.0% |
| Colorado | $1,082 | -$48 | -4.2% |
| Connecticut | $1,164 | $34 | 3.0% |
| Delaware | $1,280 | $150 | 13.3% |
| Florida | $1,416 | $286 | 25.3% |
| Georgia | $1,044 | -$86 | -7.6% |
| Hawaii | $812 | -$318 | -28.1% |
| Idaho | $764 | -$366 | -32.4% |
| Illinois | $842 | -$288 | -25.5% |
| Indiana | $850 | -$280 | -24.8% |
| Iowa | $764 | -$366 | -32.4% |
| Kansas | $1,076 | -$54 | -4.8% |
| Kentucky | $1,542 | $412 | 36.5% |
| Louisiana | $1,674 | $544 | 48.1% |
| Maine | $698 | -$432 | -38.2% |
| Maryland | $932 | -$198 | -17.5% |
| Massachusetts | $904 | -$226 | -20.0% |
| Michigan | $1,964 | $834 | 73.8% |
| Minnesota | $946 | -$184 | -16.3% |
| Mississippi | $1,354 | $224 | 19.8% |
| Missouri | $1,004 | -$126 | -11.2% |
| Montana | $1,216 | $86 | 7.6% |
| Nebraska | $892 | -$238 | -21.1% |
| Nevada | $1,356 | $226 | 20.0% |
| New Hampshire | $812 | -$318 | -28.1% |
| New Jersey | $1,264 | $134 | 11.9% |
| New Mexico | $1,002 | -$128 | -11.3% |
| New York | $1,190 | $60 | 5.3% |
| North Carolina | $652 | -$478 | -42.3% |
| North Dakota | $926 | -$204 | -18.1% |
| Ohio | $780 | -$350 | -31.0% |
| Oklahoma | $1,162 | $32 | 2.8% |
| Oregon | $1,036 | -$94 | -8.3% |
| Pennsylvania | $1,080 | -$50 | -4.4% |
| Rhode Island | $1,508 | $378 | 33.5% |
| South Carolina | $1,024 | -$106 | -9.4% |
| South Dakota | $956 | -$174 | -15.4% |
| Tennessee | $992 | -$138 | -12.2% |
| Texas | $1,362 | $232 | 20.5% |
| Utah | $836 | -$294 | -26.0% |
| Vermont | $776 | -$354 | -31.3% |
| Virginia | $676 | -$454 | -40.2% |
| Washington | $876 | -$254 | -22.5% |
| West Virginia | $1,036 | -$94 | -8.3% |
| Wisconsin | $784 | -$346 | -30.6% |
| Wyoming | $1,008 | -$122 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 350 C 2-Dr Convertible | $1,130 | $94 |
| Lexus IS 350 4-Dr Sedan | $1,118 | $93 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus IS 350 | $344 | $686 | $398 | $1,586 |
| 2023 Lexus IS 350 | $332 | $668 | $416 | $1,574 |
| 2022 Lexus IS 350 | $320 | $640 | $430 | $1,548 |
| 2021 Lexus IS 350 | $304 | $618 | $442 | $1,522 |
| 2019 Lexus IS 350 | $280 | $540 | $456 | $1,434 |
| 2018 Lexus IS 350 | $268 | $484 | $460 | $1,370 |
| 2017 Lexus IS 350 | $250 | $446 | $460 | $1,314 |
| 2015 Lexus IS 350 | $236 | $390 | $474 | $1,258 |
| 2014 Lexus IS 350 | $218 | $362 | $474 | $1,212 |
| 2013 Lexus IS 350 | $212 | $328 | $478 | $1,176 |
| 2012 Lexus IS 350 | $198 | $300 | $474 | $1,130 |
| 2011 Lexus IS 350 | $186 | $272 | $474 | $1,090 |
Rates are averaged for all Lexus IS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Lexus IS 350 Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a brief review of the ideas that were touched on in this article.
- Youthful drivers are charged the highest rates, with premiums as much as $372 per month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions pay on average $1,310 more annually than a low-risk driver
- Increasing deductibles could save up to $325 each year
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,462 |
| 20 | $2,594 |
| 30 | $1,158 |
| 40 | $1,130 |
| 50 | $1,036 |
| 60 | $1,016 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,350 |
| $250 | $1,250 |
| $500 | $1,130 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,130 |
| 50/100 | $1,213 |
| 100/300 | $1,331 |
| 250/500 | $1,639 |
| 100 CSL | $1,260 |
| 300 CSL | $1,521 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,312 |
| 20 | $4,140 |
| 30 | $2,472 |
| 40 | $2,442 |
| 50 | $2,336 |
| 60 | $2,312 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
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