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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Estimated insurance rates for a Lexus IS 350 are $1,176 a year including full coverage. Comprehensive costs on average $212, collision insurance costs $328, and liability is $478. Liability-only coverage costs around $526 a year, and high-risk coverage costs around $2,544. Teens pay the most at up to $4,614 a year.
Average premium for full coverage: $1,176
Premium estimates by type of coverage:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all IS 350 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus IS 350 range from the low end price of $526 for just the minimum liability insurance to the much higher price of $2,544 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.
These rate differences highlight why everyone should compare rates quotes based on a specific location, instead of using averaged prices.
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 Analysis
The chart below breaks down average Lexus IS 350 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $697
- Raising to $1,000 deductibles will save around $122 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,176
- Selecting pricier low deductibles bumps up the cost to $1,414
- At-risk drivers with serious driving violations could pay upwards of $2,544
- An auto insurance policy that insures a teen driver for full coverage may cost $4,614
Insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Lexus IS 350 insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age
Where you choose to live also has a big influence on Lexus IS 350 insurance prices. A middle-age driver might find prices as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more per 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 | $1,176 | $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
Finding better rates on car insurance consists of being a safe and courteous driver, having above-average credit, refrain from filing small claims, and determing if full coverage is necessary. Compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
Below is a review of the data presented in the illustrations above.
- Policyholders who require higher levels of liability will pay approximately $530 per year to raise from 30/60 bodily injury limits to the 250/500 level
- You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $350 each year
- Teenage drivers pay the highest prices, with the cost nearing $385 per month if full coverage is included
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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