Lexus IS 350 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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:

Comprehensive $212
Collision $328
Liability $478

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.

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

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.

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

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.

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%

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

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

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

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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