Lexus IS 350 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 5, 2024
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Average auto insurance rates for a Lexus IS 350 are $1,176 annually with full coverage. Comprehensive insurance costs on average $212 each year, collision insurance costs $328, and liability insurance costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage 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 by individual coverage type:
Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and IS 350 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $526 for just liability insurance to a high rate of $2,544 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.
These examples demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on 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.
More Rate Details
The chart below details average Lexus IS 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $697
- Using higher $1,000 deductibles will save around $122 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,176
- Choosing low deductibles for physical damage coverage costs an additional $238 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,544
- The cost with full coverage for a teen driver may cost $4,614 or more
Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving record, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $360 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see rates as low as $850 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,590 on average in Florida, Michigan, and New York.
| 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% |
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 Buy Low Cost Lexus IS 350 Insurance
Saving money on Lexus IS 350 insurance requires not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a review of the concepts that were raised in the charts and tables above.
- High-risk drivers who have several accidents or serious violations pay an average of $1,370 more each year for IS 350 insurance
- Teens are expensive to insure, with premiums as much as $385 per month if comprehensive and collision insurance is included
- You may be able to save as much as $140 per year just by quoting online in advance
- Increasing deductibles could save up to $350 each year
- You may be able to save as much as $140 per year just by quoting online in advance
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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