Lexus IS 350 Insurance Rates
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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 costs an estimated $212, collision insurance costs $328, and liability costs around $478. Buying just liability costs as low as $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 broken down by individual coverage type:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different IS 350 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $526 for basic liability insurance to a much higher rate of $2,544 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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.
Rate Comparisons
The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.
- The best discount rate is $697
- Using higher $1,000 deductibles will save approximately $122 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,176
- Using more expensive low deductibles for physical damage coverage will increase the cost to $1,414
- High-risk insureds who are prone to accidents and violations could pay up to $2,544
- The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,614 or more
Auto insurance rates for a Lexus IS 350 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age
Where you live has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,590 on average in New York, Michigan, and Florida.
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% |
Using high physical damage deductibles could cut rates by as much as $360 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 132% more than a normal policy. View High Risk Driver Rates
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 the Best Cheap Lexus IS 350 Insurance
Saving money on insurance for a Lexus IS 350 requires having a good driving record, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates once a year by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a quick review of the data that was presented in the illustrations above.
- You may be able to save approximately $140 per year just by shopping early and online
- Insureds who want increased levels of liability coverage will pay an extra $530 every year to increase from a minimum limit to 250/500 limits
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $385 per month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,370 more annually 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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