Lexus IS 350 Insurance Rates
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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
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U.S. average insurance rates for a Lexus IS 350 are $1,130 a year for full coverage insurance. Comprehensive insurance costs on average $198 each year, collision costs $300, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing $2,442 or more. Teen drivers pay the highest rates at $4,462 a year or more.
Average premium for full coverage: $1,130
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and IS 350 models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus IS 350 insurance prices go from the low end price of $522 for minimum levels of liability insurance to a high rate of $2,442 for high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates how where you live affects car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location, rather than using price 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.
Additional Rate Details
The chart below illustrates estimated Lexus IS 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $673
- Using higher $1,000 deductibles will save around $114 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,130
- Choosing low deductibles for physical damage coverage will cost an additional $220 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,442 or more
- The price that insures a teenage driver may cost $4,462 or more
Insurance prices for a Lexus IS 350 are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 128% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,400 a year. View Rates by Age
The state you live in has a huge impact on Lexus IS 350 insurance rates. A driver around age 40 might see prices as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,530 on average in Michigan, New York, 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% |
Choosing high deductibles could cut prices by as much as $340 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different.
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 Find the Right Lexus IS 350 Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around every couple of years by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a quick rundown of the material that was touched on in the above illustrations.
- Consumers who require higher liability limits will pay about $520 annually to increase from a low limit to the 250/500 level
- Teenagers pay the highest prices, as much as $372 a month if full coverage is included
- Drivers with reckless driving or DUI convictions may pay on average $1,310 more each year for car insurance
- Increasing physical damage deductibles can save approximately $325 each year
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.
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