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 insurance rates for a Lexus IS 350 are $1,176 a year for full coverage insurance. Comprehensive insurance costs around $212, collision insurance costs $328, and liability coverage is estimated at $478. Buying just liability costs approximately $526 a year, and insurance for high-risk drivers costs $2,544 or more. Teen drivers receive the highest rates at up to $4,614 a year.
Average premium for full coverage: $1,176
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different IS 350 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $526 for minimum levels of liability insurance to a much higher rate of $2,544 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.
These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using price 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 Details
The chart below illustrates average Lexus IS 350 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $697
- Choosing higher $1,000 deductibles can save about $122 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,176
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $238 each year
- Drivers with multiple violations and an at-fault accident could pay at least $2,544
- The cost for full coverage for a teenage driver with full coverage can be $4,614 each year
Auto insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,600 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 $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,066 | -$110 | -9.4% |
| Alaska | $904 | -$272 | -23.1% |
| Arizona | $976 | -$200 | -17.0% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,340 | $164 | 13.9% |
| Colorado | $1,126 | -$50 | -4.3% |
| Connecticut | $1,210 | $34 | 2.9% |
| Delaware | $1,332 | $156 | 13.3% |
| Florida | $1,472 | $296 | 25.2% |
| Georgia | $1,086 | -$90 | -7.7% |
| Hawaii | $844 | -$332 | -28.2% |
| Idaho | $796 | -$380 | -32.3% |
| Illinois | $876 | -$300 | -25.5% |
| Indiana | $886 | -$290 | -24.7% |
| Iowa | $794 | -$382 | -32.5% |
| Kansas | $1,120 | -$56 | -4.8% |
| Kentucky | $1,606 | $430 | 36.6% |
| Louisiana | $1,742 | $566 | 48.1% |
| Maine | $726 | -$450 | -38.3% |
| Maryland | $972 | -$204 | -17.3% |
| Massachusetts | $942 | -$234 | -19.9% |
| Michigan | $2,046 | $870 | 74.0% |
| Minnesota | $986 | -$190 | -16.2% |
| Mississippi | $1,412 | $236 | 20.1% |
| Missouri | $1,046 | -$130 | -11.1% |
| Montana | $1,266 | $90 | 7.7% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,412 | $236 | 20.1% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,318 | $142 | 12.1% |
| New Mexico | $1,042 | -$134 | -11.4% |
| New York | $1,240 | $64 | 5.4% |
| North Carolina | $678 | -$498 | -42.3% |
| North Dakota | $964 | -$212 | -18.0% |
| Ohio | $812 | -$364 | -31.0% |
| Oklahoma | $1,210 | $34 | 2.9% |
| Oregon | $1,080 | -$96 | -8.2% |
| Pennsylvania | $1,126 | -$50 | -4.3% |
| Rhode Island | $1,570 | $394 | 33.5% |
| South Carolina | $1,066 | -$110 | -9.4% |
| South Dakota | $994 | -$182 | -15.5% |
| Tennessee | $1,032 | -$144 | -12.2% |
| Texas | $1,420 | $244 | 20.7% |
| Utah | $874 | -$302 | -25.7% |
| Vermont | $806 | -$370 | -31.5% |
| Virginia | $706 | -$470 | -40.0% |
| Washington | $910 | -$266 | -22.6% |
| West Virginia | $1,080 | -$96 | -8.2% |
| Wisconsin | $816 | -$360 | -30.6% |
| Wyoming | $1,050 | -$126 | -10.7% |
Choosing high deductibles can save as much as $360 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 350 C 2-Dr Convertible | $1,176 | $98 |
| Lexus IS 350 4-Dr Sedan | $1,162 | $97 |
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 | $358 | $690 | $390 | $1,596 |
| 2023 Lexus IS 350 | $344 | $686 | $398 | $1,586 |
| 2022 Lexus IS 350 | $332 | $668 | $416 | $1,574 |
| 2021 Lexus IS 350 | $320 | $640 | $430 | $1,548 |
| 2019 Lexus IS 350 | $292 | $574 | $452 | $1,476 |
| 2018 Lexus IS 350 | $280 | $540 | $456 | $1,434 |
| 2017 Lexus IS 350 | $268 | $484 | $460 | $1,370 |
| 2015 Lexus IS 350 | $242 | $418 | $464 | $1,282 |
| 2014 Lexus IS 350 | $236 | $390 | $474 | $1,258 |
| 2013 Lexus IS 350 | $218 | $362 | $474 | $1,212 |
| 2012 Lexus IS 350 | $212 | $328 | $478 | $1,176 |
| 2011 Lexus IS 350 | $198 | $300 | $474 | $1,130 |
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 auto insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The list below is a review of the information touched on above.
- It is possible to save up to $140 per year just by shopping early and online
- Teenagers are expensive to insure, costing up to $385 per month if they have full coverage
- Increasing deductibles can save around $350 each year
- Drivers who have several accidents or serious violations may pay on average $1,370 more every year for car insurance
- Consumers who may need higher liability limits will pay about $530 annually to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,614 |
| 20 | $2,702 |
| 30 | $1,210 |
| 40 | $1,176 |
| 50 | $1,080 |
| 60 | $1,058 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,414 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,054 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,258 |
| 100/300 | $1,377 |
| 250/500 | $1,688 |
| 100 CSL | $1,305 |
| 300 CSL | $1,568 |
| 500 CSL | $1,760 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,536 |
| 20 | $4,310 |
| 30 | $2,578 |
| 40 | $2,544 |
| 50 | $2,432 |
| 60 | $2,408 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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