Lexus IS 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average auto insurance rates for a Lexus IS 350 are $1,130 annually with full coverage. Comprehensive costs an estimated $198 a year, collision insurance costs $300, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,442. Teens receive the highest rates at up to $4,462 a year.
Average premium for full coverage: $1,130
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and IS 350 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $522 for the bare minimum liability coverage to a high of $2,442 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.
These examples demonstrate why it is important to 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.
Additional Rate Information
The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $673
- Drivers who choose higher $1,000 deductibles will pay approximately $1,016 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,130
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,350
- High-risk insureds with serious driving violations could pay up to $2,442
- The cost with full coverage for a teenage driver can cost as much as $4,462 a year
Auto insurance rates for a Lexus IS 350 can also vary considerably based on the trim level of your IS 350, your driving record, and liability limits and deductibles.
Older drivers with a good driving record 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 have to pay at least $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. 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 $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,530 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$106 | -9.4% |
| Alaska | $866 | -$264 | -23.4% |
| Arizona | $938 | -$192 | -17.0% |
| Arkansas | $1,130 | -$0 | 0.0% |
| California | $1,288 | $158 | 14.0% |
| Colorado | $1,082 | -$48 | -4.2% |
| Connecticut | $1,164 | $34 | 3.0% |
| Delaware | $1,280 | $150 | 13.3% |
| Florida | $1,416 | $286 | 25.3% |
| Georgia | $1,044 | -$86 | -7.6% |
| Hawaii | $812 | -$318 | -28.1% |
| Idaho | $764 | -$366 | -32.4% |
| Illinois | $842 | -$288 | -25.5% |
| Indiana | $850 | -$280 | -24.8% |
| Iowa | $764 | -$366 | -32.4% |
| Kansas | $1,076 | -$54 | -4.8% |
| Kentucky | $1,542 | $412 | 36.5% |
| Louisiana | $1,674 | $544 | 48.1% |
| Maine | $698 | -$432 | -38.2% |
| Maryland | $932 | -$198 | -17.5% |
| Massachusetts | $904 | -$226 | -20.0% |
| Michigan | $1,964 | $834 | 73.8% |
| Minnesota | $946 | -$184 | -16.3% |
| Mississippi | $1,354 | $224 | 19.8% |
| Missouri | $1,004 | -$126 | -11.2% |
| Montana | $1,216 | $86 | 7.6% |
| Nebraska | $892 | -$238 | -21.1% |
| Nevada | $1,356 | $226 | 20.0% |
| New Hampshire | $812 | -$318 | -28.1% |
| New Jersey | $1,264 | $134 | 11.9% |
| New Mexico | $1,002 | -$128 | -11.3% |
| New York | $1,190 | $60 | 5.3% |
| North Carolina | $652 | -$478 | -42.3% |
| North Dakota | $926 | -$204 | -18.1% |
| Ohio | $780 | -$350 | -31.0% |
| Oklahoma | $1,162 | $32 | 2.8% |
| Oregon | $1,036 | -$94 | -8.3% |
| Pennsylvania | $1,080 | -$50 | -4.4% |
| Rhode Island | $1,508 | $378 | 33.5% |
| South Carolina | $1,024 | -$106 | -9.4% |
| South Dakota | $956 | -$174 | -15.4% |
| Tennessee | $992 | -$138 | -12.2% |
| Texas | $1,362 | $232 | 20.5% |
| Utah | $836 | -$294 | -26.0% |
| Vermont | $776 | -$354 | -31.3% |
| Virginia | $676 | -$454 | -40.2% |
| Washington | $876 | -$254 | -22.5% |
| West Virginia | $1,036 | -$94 | -8.3% |
| Wisconsin | $784 | -$346 | -30.6% |
| Wyoming | $1,008 | -$122 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 350 C 2-Dr Convertible | $1,130 | $94 |
| Lexus IS 350 4-Dr Sedan | $1,118 | $93 |
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 | $344 | $686 | $398 | $1,586 |
| 2023 Lexus IS 350 | $332 | $668 | $416 | $1,574 |
| 2022 Lexus IS 350 | $320 | $640 | $430 | $1,548 |
| 2021 Lexus IS 350 | $304 | $618 | $442 | $1,522 |
| 2019 Lexus IS 350 | $280 | $540 | $456 | $1,434 |
| 2018 Lexus IS 350 | $268 | $484 | $460 | $1,370 |
| 2017 Lexus IS 350 | $250 | $446 | $460 | $1,314 |
| 2015 Lexus IS 350 | $236 | $390 | $474 | $1,258 |
| 2014 Lexus IS 350 | $218 | $362 | $474 | $1,212 |
| 2013 Lexus IS 350 | $212 | $328 | $478 | $1,176 |
| 2012 Lexus IS 350 | $198 | $300 | $474 | $1,130 |
| 2011 Lexus IS 350 | $186 | $272 | $474 | $1,090 |
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 More Affordable Lexus IS 350 Insurance
Saving money on auto insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a summary of the ideas that were touched on in this article.
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $372 per month if full coverage is included
- Drivers who have multiple accidents or major violations pay on average $1,310 more annually to buy Lexus IS 350 insurance
- Increasing deductibles could save up to $325 each year
- You may be able to save approximately $130 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,462 |
| 20 | $2,594 |
| 30 | $1,158 |
| 40 | $1,130 |
| 50 | $1,036 |
| 60 | $1,016 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,350 |
| $250 | $1,250 |
| $500 | $1,130 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,130 |
| 50/100 | $1,213 |
| 100/300 | $1,331 |
| 250/500 | $1,639 |
| 100 CSL | $1,260 |
| 300 CSL | $1,521 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,312 |
| 20 | $4,140 |
| 30 | $2,472 |
| 40 | $2,442 |
| 50 | $2,336 |
| 60 | $2,312 |
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 | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $457 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
