Lexus IS 350 Insurance Rates

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UPDATED: May 5, 2024

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The average insurance rates for a Lexus IS 350 are $1,130 a year with full coverage. Comprehensive insurance costs an estimated $198 a year, collision insurance costs $300, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,442 or more. Teenage drivers cost the most to insure at up to $4,462 a year.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Comprehensive $198
Collision $300
Liability $474

Rates are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and IS 350 trim levels.

Price Range Variability

Using a middle-aged driver as an example, Lexus IS 350 insurance rates range from the low end price of $522 for minimum levels of liability insurance to a high of $2,442 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,130
High Risk $2,442

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

Rural Areas $848
Small Cities $1,187
Large Cities $1,526

The examples above demonstrate why it is important to compare prices for a targeted area, 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.

Additional Rate Details

The chart below details average Lexus IS 350 insurance rates for other coverage scenarios.

  • The best discount rate is $673
  • Using higher $1,000 deductibles will save approximately $1,016 annually
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,130
  • Using low $100 deductibles for physical damage coverage will cost an additional $220 annually
  • High-risk insureds who are prone to accidents and violations could pay up to $2,442
  • Policy cost that insures a 16-year-old driver can cost as much as $4,462 or more

Auto insurance rates for a Lexus IS 350 also range considerably based on the trim level of your IS 350, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 350 insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 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 $1,024 -$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%

Using high physical damage deductibles could cut rates by as much as $340 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

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 $1,130 $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.

Lexus IS 350 Insurance Rates by Model Year
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 Find the Best Cheap Lexus IS 350 Insurance

Finding cheaper rates on insurance for a Lexus IS 350 requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The following is a quick review of the data touched on in the above illustrations.

  • Insureds who want higher liability limits will pay an extra $520 every year to increase from a 30/60 limit to the 250/500 level
  • You may be able to save approximately $130 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $325 each year
  • Teens are the costliest to insure, as much as $372 each month if the policy includes full coverage

Rates by Driver Age

Lexus IS 350 Insurance 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

Lexus IS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,350
$250 $1,250
$500 $1,130
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS 350 Insurance Rates with Different Liability Limits
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

Lexus IS 350 Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $673

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

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