Lexus IS 350 Insurance Rates

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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 for full coverage. Comprehensive insurance costs approximately $212, collision insurance costs $328, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs $2,544 or more. Teen drivers pay the most at up to $4,614 a year.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Comprehensive $212
Collision $328
Liability $478

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all IS 350 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lexus IS 350 range from the low end price of $526 for your basic liability-only policy to the much higher price of $2,544 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.

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

These rate differences show why everyone should get quotes using their specific location, instead of making a decision based 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 Information

The chart below shows average Lexus IS 350 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $697
  • Choosing higher $1,000 deductibles can save $122 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,176
  • Choosing pricier low deductibles for comp and collision coverage will cost an additional $238 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,544
  • An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,614 each year

Insurance prices for a Lexus IS 350 also have a wide range based on the model of your IS 350, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 additional annually, depending on your age. Lexus IS 350 insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to 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 $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, and Michigan.

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 save as much as $360 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more each 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 $1,176 $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 the Best Cheap Lexus IS 350 Insurance

Finding better rates on insurance for a Lexus IS 350 takes having a good driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a quick review of the data that was covered in the above illustrations.

  • Drivers can save around $140 per year just by quoting online well ahead of the renewal date
  • Insureds who purchase increased levels of liability coverage will pay about $530 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Drivers age 20 and younger are the costliest to insure, as much as $385 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,370 more per year to buy Lexus IS 350 insurance

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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