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 $1,130 a year including full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $300, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,442 or more. 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:

Comprehensive $198
Collision $300
Liability $474

Prices are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all IS 350 models.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $522 for just the minimum liability insurance to the much higher price of $2,442 for high-risk insurance.

Liability Only $522
Full Coverage $1,130
High Risk $2,442

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $848
Small Cities $1,187
Large Cities $1,526

These examples highlight why everyone should get quotes for a targeted area, rather than relying on rate averages.

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

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Additional Rate Analysis

The chart below breaks down average Lexus IS 350 insurance rates for other coverage scenarios.

  • The best full coverage rate is $673
  • Choosing higher $1,000 deductibles can save approximately $114 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,130
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $220 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,442
  • The cost that insures a teen driver for full coverage can cost as much as $4,462 each year

Insurance rates for a Lexus IS 350 can also vary considerably based on the model of your IS 350, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,300 to $1,900 extra per year, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,400 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 $870 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,610 on average in Louisiana, New York, and Michigan.

Lexus IS 350 Insurance Rates by State
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%

Opting for high physical damage deductibles can save as much as $340 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Lexus IS 350 Insurance Rates by Model and Trim Level
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.

Lexus IS 350 Insurance Rates by Model Year
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 Affordable Lexus IS 350 Insurance

Saving money on Lexus IS 350 insurance takes having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a brief review of the material that was covered in the above illustrations.

  • Drivers who want increased levels of liability coverage will pay around $520 per year to raise limits from a minimum limit to the 250/500 level
  • Drivers age 20 and younger are charged the highest rates, as much as $372 per month if full coverage is included
  • High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,310 more annually to buy Lexus IS 350 insurance
  • Increasing deductibles can save approximately $325 each year

Rates by Driver Age

Lexus IS 350 Insurance 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

Lexus IS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,350
$250 $1,250
$500 $1,130
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS 350 Insurance Rates with Different Liability Limits
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

Lexus IS 350 Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $673

Discounts are estimated and may not be available from every company or in every state.

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