Lexus IS 350 Insurance Rates
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UPDATED: May 5, 2024
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Average insurance rates for a Lexus IS 350 are $1,212 a year for full coverage. Comprehensive costs an estimated $218 a year, collision costs $362, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,626. Teenage drivers receive the highest rates at $4,732 a year or more.
Average premium for full coverage: $1,212
Rate estimates broken down by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and IS 350 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $522 for basic liability insurance to a high of $2,626 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These examples show why it is important to get quotes for a targeted area and risk profile, rather than relying on average rates.
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.
Rate Comparisons
The chart below shows estimated Lexus IS 350 insurance rates for other coverage scenarios.
- The best discount rate is $713
- Choosing higher $1,000 deductibles can save approximately $1,080 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,212
- Using low $100 deductibles for comp and collision coverage will increase the cost to $1,468
- High-risk insureds who are prone to accidents and violations could pay up to $2,626 or more
- The cost for full coverage for a teen driver can cost as much as $4,732 each year
Car insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the trim level of your IS 350, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,730 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$114 | -9.4% |
| Alaska | $930 | -$282 | -23.3% |
| Arizona | $1,006 | -$206 | -17.0% |
| Arkansas | $1,212 | -$0 | 0.0% |
| California | $1,382 | $170 | 14.0% |
| Colorado | $1,158 | -$54 | -4.5% |
| Connecticut | $1,246 | $34 | 2.8% |
| Delaware | $1,374 | $162 | 13.4% |
| Florida | $1,518 | $306 | 25.2% |
| Georgia | $1,118 | -$94 | -7.8% |
| Hawaii | $872 | -$340 | -28.1% |
| Idaho | $820 | -$392 | -32.3% |
| Illinois | $904 | -$308 | -25.4% |
| Indiana | $912 | -$300 | -24.8% |
| Iowa | $818 | -$394 | -32.5% |
| Kansas | $1,154 | -$58 | -4.8% |
| Kentucky | $1,654 | $442 | 36.5% |
| Louisiana | $1,794 | $582 | 48.0% |
| Maine | $748 | -$464 | -38.3% |
| Maryland | $998 | -$214 | -17.7% |
| Massachusetts | $970 | -$242 | -20.0% |
| Michigan | $2,106 | $894 | 73.8% |
| Minnesota | $1,016 | -$196 | -16.2% |
| Mississippi | $1,452 | $240 | 19.8% |
| Missouri | $1,076 | -$136 | -11.2% |
| Montana | $1,304 | $92 | 7.6% |
| Nebraska | $956 | -$256 | -21.1% |
| Nevada | $1,454 | $242 | 20.0% |
| New Hampshire | $872 | -$340 | -28.1% |
| New Jersey | $1,354 | $142 | 11.7% |
| New Mexico | $1,074 | -$138 | -11.4% |
| New York | $1,278 | $66 | 5.4% |
| North Carolina | $698 | -$514 | -42.4% |
| North Dakota | $994 | -$218 | -18.0% |
| Ohio | $836 | -$376 | -31.0% |
| Oklahoma | $1,246 | $34 | 2.8% |
| Oregon | $1,110 | -$102 | -8.4% |
| Pennsylvania | $1,158 | -$54 | -4.5% |
| Rhode Island | $1,616 | $404 | 33.3% |
| South Carolina | $1,098 | -$114 | -9.4% |
| South Dakota | $1,024 | -$188 | -15.5% |
| Tennessee | $1,062 | -$150 | -12.4% |
| Texas | $1,462 | $250 | 20.6% |
| Utah | $898 | -$314 | -25.9% |
| Vermont | $832 | -$380 | -31.4% |
| Virginia | $728 | -$484 | -39.9% |
| Washington | $938 | -$274 | -22.6% |
| West Virginia | $1,110 | -$102 | -8.4% |
| Wisconsin | $840 | -$372 | -30.7% |
| Wyoming | $1,080 | -$132 | -10.9% |
Using high physical damage deductibles can save as much as $390 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 350 C 2-Dr Convertible | $1,212 | $101 |
| Lexus IS 350 4-Dr Sedan | $1,196 | $100 |
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 | $376 | $718 | $372 | $1,624 |
| 2023 Lexus IS 350 | $358 | $690 | $390 | $1,596 |
| 2022 Lexus IS 350 | $344 | $686 | $398 | $1,586 |
| 2021 Lexus IS 350 | $332 | $668 | $416 | $1,574 |
| 2019 Lexus IS 350 | $304 | $618 | $442 | $1,522 |
| 2018 Lexus IS 350 | $292 | $574 | $452 | $1,476 |
| 2017 Lexus IS 350 | $280 | $540 | $456 | $1,434 |
| 2015 Lexus IS 350 | $250 | $446 | $460 | $1,314 |
| 2014 Lexus IS 350 | $242 | $418 | $464 | $1,282 |
| 2013 Lexus IS 350 | $236 | $390 | $474 | $1,258 |
| 2012 Lexus IS 350 | $218 | $362 | $474 | $1,212 |
| 2011 Lexus IS 350 | $212 | $328 | $478 | $1,176 |
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 Find Low Cost Lexus IS 350 Insurance
Saving money on Lexus IS 350 insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a review of the primary concepts that were covered above.
- Drivers can save approximately $140 per year simply by quoting early and online
- High-risk drivers who have several accidents or serious violations pay an average of $1,410 more annually than a driver with a clean driving record
- Increasing deductibles can save around $400 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $394 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,732 |
| 20 | $2,792 |
| 30 | $1,248 |
| 40 | $1,212 |
| 50 | $1,110 |
| 60 | $1,088 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,352 |
| $500 | $1,212 |
| $1,000 | $1,080 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,212 |
| 50/100 | $1,291 |
| 100/300 | $1,409 |
| 250/500 | $1,717 |
| 100 CSL | $1,338 |
| 300 CSL | $1,599 |
| 500 CSL | $1,789 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,710 |
| 20 | $4,456 |
| 30 | $2,664 |
| 40 | $2,626 |
| 50 | $2,510 |
| 60 | $2,484 |
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 | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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