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...

Insurance Lawyer

UPDATED: May 5, 2024

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Average insurance prices for a Lexus IS 350 are $1,212 every 12 months including full coverage. Comprehensive costs approximately $218 a year, collision costs $362, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,626. 16-year-old drivers receive the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,212

Rate estimates by individual coverage type:

Comprehensive $218
Collision $362
Liability $474

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS 350 trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $522 for just liability insurance to a high of $2,626 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,212
High Risk $2,626

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $909
Small Cities $1,273
Large Cities $1,636

These examples highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than using rate 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 Details

The chart below breaks down estimated Lexus IS 350 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $713
  • Raising to $1,000 deductibles will save $1,080 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,212
  • Buying low $100 deductibles increases the price to $1,468
  • Unlucky drivers with multiple tickets or accidents could pay around $2,626 or more
  • The cost to insure a teenage driver can cost $4,732

Auto insurance rates for a Lexus IS 350 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your IS 350.

Opting for high physical damage deductibles can reduce rates by up to $390 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 129% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Lexus IS 350 insurance rates. A middle-age driver might find rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,730 on average in Louisiana, New York, and Michigan.

Lexus IS 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,098 -$114 -9.4%
Alaska $930 -$282 -23.3%
Arizona $1,006 -$206 -17.0%
Arkansas $1,212 -$0 0.0%
California $1,382 $170 14.0%
Colorado $1,158 -$54 -4.5%
Connecticut $1,246 $34 2.8%
Delaware $1,374 $162 13.4%
Florida $1,518 $306 25.2%
Georgia $1,118 -$94 -7.8%
Hawaii $872 -$340 -28.1%
Idaho $820 -$392 -32.3%
Illinois $904 -$308 -25.4%
Indiana $912 -$300 -24.8%
Iowa $818 -$394 -32.5%
Kansas $1,154 -$58 -4.8%
Kentucky $1,654 $442 36.5%
Louisiana $1,794 $582 48.0%
Maine $748 -$464 -38.3%
Maryland $998 -$214 -17.7%
Massachusetts $970 -$242 -20.0%
Michigan $2,106 $894 73.8%
Minnesota $1,016 -$196 -16.2%
Mississippi $1,452 $240 19.8%
Missouri $1,076 -$136 -11.2%
Montana $1,304 $92 7.6%
Nebraska $956 -$256 -21.1%
Nevada $1,454 $242 20.0%
New Hampshire $872 -$340 -28.1%
New Jersey $1,354 $142 11.7%
New Mexico $1,074 -$138 -11.4%
New York $1,278 $66 5.4%
North Carolina $698 -$514 -42.4%
North Dakota $994 -$218 -18.0%
Ohio $836 -$376 -31.0%
Oklahoma $1,246 $34 2.8%
Oregon $1,110 -$102 -8.4%
Pennsylvania $1,158 -$54 -4.5%
Rhode Island $1,616 $404 33.3%
South Carolina $1,098 -$114 -9.4%
South Dakota $1,024 -$188 -15.5%
Tennessee $1,062 -$150 -12.4%
Texas $1,462 $250 20.6%
Utah $898 -$314 -25.9%
Vermont $832 -$380 -31.4%
Virginia $728 -$484 -39.9%
Washington $938 -$274 -22.6%
West Virginia $1,110 -$102 -8.4%
Wisconsin $840 -$372 -30.7%
Wyoming $1,080 -$132 -10.9%

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.

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 $1,212 $101
Lexus IS 350 4-Dr Sedan $1,196 $100

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 $376 $718 $372 $1,624
2023 Lexus IS 350 $358 $690 $390 $1,596
2022 Lexus IS 350 $344 $686 $398 $1,586
2021 Lexus IS 350 $332 $668 $416 $1,574
2019 Lexus IS 350 $304 $618 $442 $1,522
2018 Lexus IS 350 $292 $574 $452 $1,476
2017 Lexus IS 350 $280 $540 $456 $1,434
2015 Lexus IS 350 $250 $446 $460 $1,314
2014 Lexus IS 350 $242 $418 $464 $1,282
2013 Lexus IS 350 $236 $390 $474 $1,258
2012 Lexus IS 350 $218 $362 $474 $1,212
2011 Lexus IS 350 $212 $328 $478 $1,176

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 Shop for Cheaper Lexus IS 350 Insurance

Saving money on auto insurance consists of having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The next list is a condensed summary of the ideas that were illustrated above.

  • Drivers age 20 and younger have the highest car insurance rates, as much as $394 per month if comprehensive and collision insurance is included
  • Drivers with multiple at-fault accidents could be charged and average of $1,410 more per year to buy Lexus IS 350 insurance
  • Increasing deductibles could save as much as $400 each year
  • You may be able to save around $140 per year simply by quoting early and online

Rates by Driver Age

Lexus IS 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,732
20 $2,792
30 $1,248
40 $1,212
50 $1,110
60 $1,088

Full coverage, $500 deductibles

Rates by Deductible

Lexus IS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,352
$500 $1,212
$1,000 $1,080

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,212
50/100 $1,291
100/300 $1,409
250/500 $1,717
100 CSL $1,338
300 CSL $1,599
500 CSL $1,789

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus IS 350 Insurance Rates for High Risk Drivers
Age Premium
16 $6,710
20 $4,456
30 $2,664
40 $2,626
50 $2,510
60 $2,484

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 $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $499
Rate after discounts $713

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

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