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...
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UPDATED: May 5, 2024
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Average auto insurance rates for a Lexus IS 350 are $1,130 annually including full coverage. Comprehensive costs an estimated $198 a year, collision insurance costs $300, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,442. 16-year-old drivers 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:
Prices include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 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 minimum levels of liability insurance to a high of $2,442 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.
These examples highlight why it is important to get quotes for a targeted area and their own personal driving habits, 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.
Additional Rate Details
The chart below breaks down average Lexus IS 350 insurance rates for other coverage scenarios.
- The best full coverage rate is $673
- Choosing higher $1,000 deductibles can save approximately $1,016 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,130
- Buying low $100 deductibles for comp and collision coverage will cost $1,350
- Drivers with multiple tickets or accidents could pay up to $2,442
- The cost with full coverage for a teenage driver can cost as much as $4,462 each year
Auto 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.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest 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 are likely paying $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $340 a year, while buying higher 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 year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Lexus IS 350 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,610 on average in Louisiana, New York, and Michigan.
| 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 the Right Lexus IS 350 Insurance
Saving money on auto insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a quick rundown of the information touched on in this article.
- You may be able to save approximately $130 per year just by quoting early and online
- Teens are the costliest to insure, as much as $372 per month if full coverage is included
- Increasing deductibles could save up to $325 each year
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,310 more annually for IS 350 insurance
- Consumers who want higher liability limits will pay around $520 per year to raise limits from a minimum limit to higher 250/500 limits
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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