Lexus IS 350 Insurance Rates
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UPDATED: May 5, 2024
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Average auto insurance rates for a Lexus IS 350 are $1,212 annually including full coverage. Comprehensive costs an estimated $218 each year, collision costs $362, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,626. Teens receive the highest rates at $4,732 a year or more.
Average premium for full coverage: $1,212
Rate estimates broken down by individual coverage type:
Includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS 350 models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $522 for just liability insurance to a high rate of $2,626 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts insurance prices.
These examples highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using averaged prices.
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 other coverage scenarios.
- The cheapest rate after discounts is $713
- Drivers who choose higher $1,000 deductibles will pay approximately $132 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,212
- Selecting low deductibles for comprehensive and collision insurance will cost $1,468
- High-risk insureds with serious driving violations could pay up to $2,626 or more
- The cost with full coverage for a teenage driver can cost as much as $4,732 a year
Car insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving characteristics, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $390 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus IS 350 insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,730 on average in Louisiana, New York, and Michigan.
| 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 which company is cheapest is to do a rate comparison and see how they stack up. Every company calculates rates differently, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Cheapest Lexus IS 350 Insurance
Saving money on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a recap of the primary concepts that were touched on above.
- You may be able to save approximately $140 per year simply by quoting online in advance
- Drivers that have major violations or accidents could be forced to pay on average $1,410 more annually for auto insurance
- Increasing deductibles could save up to $400 each year
- Teenage drivers have the highest car insurance rates, as much as $394 per month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,352 |
| $500 | $1,212 |
| $1,000 | $1,080 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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