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...
Licensed Insurance Agent
UPDATED: May 5, 2024
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Average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive insurance costs approximately $198 each year, collision insurance costs $300, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,442 or more. Teenage drivers receive the highest rates at up to $4,462 a year.
Average premium for full coverage: $1,130
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and IS 350 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $522 for your basic liability-only policy to a high rate of $2,442 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.
These examples demonstrate why all drivers should compare rates quotes using their specific location, rather than using 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.
More Rate Information
The chart below details average Lexus IS 350 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $673
- Raising to $1,000 deductibles will save $114 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,130
- Using low deductibles will cost an additional $220 each year
- Unlucky drivers who are prone to accidents and violations could pay around $2,442
- The cost that insures a teenage driver can cost $4,462
Auto insurance rates for a Lexus IS 350 can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,300 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,400 a year. View Rates by Age
Where you live also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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% |
Using high physical damage deductibles can reduce rates by up to $340 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
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 Find the Cheapest Lexus IS 350 Insurance
Saving money on auto insurance consists of being safe and accident-free, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare prices every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a recap of the coverage data illustrated above.
- You may be able to save around $130 per year just by quoting online in advance
- Increasing deductibles can save approximately $325 each year
- Youthful drivers have the highest car insurance rates, with premiums as much as $372 per month if the policy includes full coverage
- Drivers that have major violations or accidents may have to pay on average $1,310 more per year than a low-risk driver
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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