Lexus IS 350 Insurance Rates
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Michelle Robbins
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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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The average auto insurance rates for a Lexus IS 350 are $1,176 annually with full coverage. Comprehensive insurance costs around $212, collision insurance costs $328, and liability costs $478. A liability-only policy costs as little as $526 a year, and high-risk insurance costs $2,544 or more. Teen drivers cost the most to insure at up to $4,614 a year.
Average premium for full coverage: $1,176
Policy rates for type of insurance:
Prices include $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all IS 350 models.
Price Range Variability
For the average 40-year-old driver, Lexus IS 350 insurance rates range from as cheap as $526 for basic liability insurance to the much higher price of $2,544 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.
The examples above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of 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.
Rate Comparisons
The chart below details average Lexus IS 350 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $697
- Drivers who choose higher $1,000 deductibles will pay about $122 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,176
- Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $238 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,544
- Policy cost with full coverage for a teen driver for full coverage can be $4,614 a year
Car insurance rates for a Lexus IS 350 also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. Lexus IS 350 insurance for high-risk drivers can cost as much as 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $360 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Lexus IS 350 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,590 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,066 | -$110 | -9.4% |
| Alaska | $904 | -$272 | -23.1% |
| Arizona | $976 | -$200 | -17.0% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,340 | $164 | 13.9% |
| Colorado | $1,126 | -$50 | -4.3% |
| Connecticut | $1,210 | $34 | 2.9% |
| Delaware | $1,332 | $156 | 13.3% |
| Florida | $1,472 | $296 | 25.2% |
| Georgia | $1,086 | -$90 | -7.7% |
| Hawaii | $844 | -$332 | -28.2% |
| Idaho | $796 | -$380 | -32.3% |
| Illinois | $876 | -$300 | -25.5% |
| Indiana | $886 | -$290 | -24.7% |
| Iowa | $794 | -$382 | -32.5% |
| Kansas | $1,120 | -$56 | -4.8% |
| Kentucky | $1,606 | $430 | 36.6% |
| Louisiana | $1,742 | $566 | 48.1% |
| Maine | $726 | -$450 | -38.3% |
| Maryland | $972 | -$204 | -17.3% |
| Massachusetts | $942 | -$234 | -19.9% |
| Michigan | $2,046 | $870 | 74.0% |
| Minnesota | $986 | -$190 | -16.2% |
| Mississippi | $1,412 | $236 | 20.1% |
| Missouri | $1,046 | -$130 | -11.1% |
| Montana | $1,266 | $90 | 7.7% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,412 | $236 | 20.1% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,318 | $142 | 12.1% |
| New Mexico | $1,042 | -$134 | -11.4% |
| New York | $1,240 | $64 | 5.4% |
| North Carolina | $678 | -$498 | -42.3% |
| North Dakota | $964 | -$212 | -18.0% |
| Ohio | $812 | -$364 | -31.0% |
| Oklahoma | $1,210 | $34 | 2.9% |
| Oregon | $1,080 | -$96 | -8.2% |
| Pennsylvania | $1,126 | -$50 | -4.3% |
| Rhode Island | $1,570 | $394 | 33.5% |
| South Carolina | $1,066 | -$110 | -9.4% |
| South Dakota | $994 | -$182 | -15.5% |
| Tennessee | $1,032 | -$144 | -12.2% |
| Texas | $1,420 | $244 | 20.7% |
| Utah | $874 | -$302 | -25.7% |
| Vermont | $806 | -$370 | -31.5% |
| Virginia | $706 | -$470 | -40.0% |
| Washington | $910 | -$266 | -22.6% |
| West Virginia | $1,080 | -$96 | -8.2% |
| Wisconsin | $816 | -$360 | -30.6% |
| Wyoming | $1,050 | -$126 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 350 C 2-Dr Convertible | $1,176 | $98 |
| Lexus IS 350 4-Dr Sedan | $1,162 | $97 |
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 | $358 | $690 | $390 | $1,596 |
| 2023 Lexus IS 350 | $344 | $686 | $398 | $1,586 |
| 2022 Lexus IS 350 | $332 | $668 | $416 | $1,574 |
| 2021 Lexus IS 350 | $320 | $640 | $430 | $1,548 |
| 2019 Lexus IS 350 | $292 | $574 | $452 | $1,476 |
| 2018 Lexus IS 350 | $280 | $540 | $456 | $1,434 |
| 2017 Lexus IS 350 | $268 | $484 | $460 | $1,370 |
| 2015 Lexus IS 350 | $242 | $418 | $464 | $1,282 |
| 2014 Lexus IS 350 | $236 | $390 | $474 | $1,258 |
| 2013 Lexus IS 350 | $218 | $362 | $474 | $1,212 |
| 2012 Lexus IS 350 | $212 | $328 | $478 | $1,176 |
| 2011 Lexus IS 350 | $198 | $300 | $474 | $1,130 |
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
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Make time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a quick rundown of the data that was touched on in this article.
- You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
- Policyholders who may need higher liability limits will pay about $530 every year to go from a 30/60 limit to higher 250/500 limits
- Teens are the costliest to insure, as much as $385 each month if comprehensive and collision insurance is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,370 more every year for IS 350 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,614 |
| 20 | $2,702 |
| 30 | $1,210 |
| 40 | $1,176 |
| 50 | $1,080 |
| 60 | $1,058 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,414 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,054 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,258 |
| 100/300 | $1,377 |
| 250/500 | $1,688 |
| 100 CSL | $1,305 |
| 300 CSL | $1,568 |
| 500 CSL | $1,760 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,536 |
| 20 | $4,310 |
| 30 | $2,578 |
| 40 | $2,544 |
| 50 | $2,432 |
| 60 | $2,408 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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