Lexus IS 350 Insurance Rates
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Michelle Robbins
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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 auto insurance rates for a Lexus IS 350 are $1,176 annually including full coverage. Comprehensive costs around $212 a year, collision insurance costs $328, and liability is estimated at $478. Buying just liability costs approximately $526 a year, and insurance for high-risk drivers costs around $2,544. Teenage 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:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS 350 trim levels.
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 of $2,544 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.
More Rate Details
The chart below breaks down average Lexus IS 350 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $697
- Choosing higher $1,000 deductibles can save about $1,054 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,176
- Using low $100 deductibles for comp and collision coverage will cost $1,414
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,544
- The cost with full coverage for a 16-year-old driver can be $4,614 each year
Auto insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $360 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Lexus IS 350 insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,680 on average in Michigan, New York, and Louisiana.
| 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 the Right Lexus IS 350 Insurance
Saving money on insurance for a Lexus IS 350 takes having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The next list is a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save up to $140 per year just by quoting early and online
- Increasing deductibles could save up to $350 each year
- Drivers age 20 and younger are expensive to insure, as much as $385 per month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,370 more every year to buy Lexus IS 350 insurance
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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