Lexus IS 350 Insurance Rates

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2011 Lexus IS 350 Insurance Quotes in 2025 – 8 Tips for Cheapest Rates

Cutting costs on Driversauto insurance can seem to be frustrating for drivers new to comparing prices online. With so many insurance companies available, it can easily turn into a ton of work to find more affordable rates. It's smart to do rate comparisons every six months due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the lowest price for...

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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...

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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 with full coverage. Comprehensive insurance costs around $212 each year, collision costs $328, and liability coverage is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing $2,544 or more. Teen drivers receive the highest rates at $4,614 a year or more.

Average premium for full coverage: $1,176

Rate estimates for individual coverage type:

Comprehensive $212
Collision $328
Liability $478

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and IS 350 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $526 for the bare minimum liability coverage to a high rate of $2,544 for a policy for a high-risk driver.

Liability Only $526
Full Coverage $1,176
High Risk $2,544

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $882
Small Cities $1,235
Large Cities $1,588

These examples demonstrate why all drivers should compare rates 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 Information

The chart below details estimated Lexus IS 350 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $697
  • Raising to $1,000 deductibles will save about $122 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,176
  • Choosing low deductibles will cost an extra $238 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,544 or more
  • The cost for full coverage for a teenage driver can be $4,614

Insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find 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.

Lexus IS 350 Insurance Rates by State
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 reduce rates by up to $360 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 $1,176 $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.

Lexus IS 350 Insurance Rates by Model Year
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 consists of being a good driver, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every year by quoting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a review of the coverage data touched on in this article.

  • You may be able to save up to $140 per year simply by quoting online in advance
  • Increasing deductibles can save around $350 each year
  • Drivers age 16 to 20 pay higher rates, with premiums as much as $385 per month for full coverage
  • Drivers who have several accidents or serious violations pay an average of $1,370 more every year than a safer driver

Rates by Driver Age

Lexus IS 350 Insurance 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

Lexus IS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,414
$250 $1,306
$500 $1,176
$1,000 $1,054

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS 350 Insurance Rates with Different Liability Limits
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

Lexus IS 350 Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $697

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

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