Lexus IS 350 Insurance Rates
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UPDATED: May 5, 2024
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The average auto insurance rates for a Lexus IS 350 are $1,212 annually with full coverage. Comprehensive insurance costs around $218 a year, collision insurance costs $362, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,626 or more. Teenage drivers cost the most to insure at up to $4,732 a year.
Average premium for full coverage: $1,212
Policy rates for type of insurance:
Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and IS 350 trim levels.
Price Range Variability
For an average driver, Lexus IS 350 insurance rates range from as cheap as $522 for just the minimum liability insurance to a high of $2,626 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, 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 Analysis
The chart below details average Lexus IS 350 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $713
- Drivers who choose higher $1,000 deductibles will pay about $1,080 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,212
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $256 annually
- Drivers who are prone to accidents and violations could pay at least $2,626
- Policy cost with full coverage for a 16-year-old driver can be $4,732 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.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,700 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. A high-risk auto insurance policy can cost from 42% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $390 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 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 $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,640 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$114 | -9.4% |
| Alaska | $930 | -$282 | -23.3% |
| Arizona | $1,006 | -$206 | -17.0% |
| Arkansas | $1,212 | -$0 | 0.0% |
| California | $1,382 | $170 | 14.0% |
| Colorado | $1,158 | -$54 | -4.5% |
| Connecticut | $1,246 | $34 | 2.8% |
| Delaware | $1,374 | $162 | 13.4% |
| Florida | $1,518 | $306 | 25.2% |
| Georgia | $1,118 | -$94 | -7.8% |
| Hawaii | $872 | -$340 | -28.1% |
| Idaho | $820 | -$392 | -32.3% |
| Illinois | $904 | -$308 | -25.4% |
| Indiana | $912 | -$300 | -24.8% |
| Iowa | $818 | -$394 | -32.5% |
| Kansas | $1,154 | -$58 | -4.8% |
| Kentucky | $1,654 | $442 | 36.5% |
| Louisiana | $1,794 | $582 | 48.0% |
| Maine | $748 | -$464 | -38.3% |
| Maryland | $998 | -$214 | -17.7% |
| Massachusetts | $970 | -$242 | -20.0% |
| Michigan | $2,106 | $894 | 73.8% |
| Minnesota | $1,016 | -$196 | -16.2% |
| Mississippi | $1,452 | $240 | 19.8% |
| Missouri | $1,076 | -$136 | -11.2% |
| Montana | $1,304 | $92 | 7.6% |
| Nebraska | $956 | -$256 | -21.1% |
| Nevada | $1,454 | $242 | 20.0% |
| New Hampshire | $872 | -$340 | -28.1% |
| New Jersey | $1,354 | $142 | 11.7% |
| New Mexico | $1,074 | -$138 | -11.4% |
| New York | $1,278 | $66 | 5.4% |
| North Carolina | $698 | -$514 | -42.4% |
| North Dakota | $994 | -$218 | -18.0% |
| Ohio | $836 | -$376 | -31.0% |
| Oklahoma | $1,246 | $34 | 2.8% |
| Oregon | $1,110 | -$102 | -8.4% |
| Pennsylvania | $1,158 | -$54 | -4.5% |
| Rhode Island | $1,616 | $404 | 33.3% |
| South Carolina | $1,098 | -$114 | -9.4% |
| South Dakota | $1,024 | -$188 | -15.5% |
| Tennessee | $1,062 | -$150 | -12.4% |
| Texas | $1,462 | $250 | 20.6% |
| Utah | $898 | -$314 | -25.9% |
| Vermont | $832 | -$380 | -31.4% |
| Virginia | $728 | -$484 | -39.9% |
| Washington | $938 | -$274 | -22.6% |
| West Virginia | $1,110 | -$102 | -8.4% |
| Wisconsin | $840 | -$372 | -30.7% |
| Wyoming | $1,080 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 350 C 2-Dr Convertible | $1,212 | $101 |
| Lexus IS 350 4-Dr Sedan | $1,196 | $100 |
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 | $376 | $718 | $372 | $1,624 |
| 2023 Lexus IS 350 | $358 | $690 | $390 | $1,596 |
| 2022 Lexus IS 350 | $344 | $686 | $398 | $1,586 |
| 2021 Lexus IS 350 | $332 | $668 | $416 | $1,574 |
| 2019 Lexus IS 350 | $304 | $618 | $442 | $1,522 |
| 2018 Lexus IS 350 | $292 | $574 | $452 | $1,476 |
| 2017 Lexus IS 350 | $280 | $540 | $456 | $1,434 |
| 2015 Lexus IS 350 | $250 | $446 | $460 | $1,314 |
| 2014 Lexus IS 350 | $242 | $418 | $464 | $1,282 |
| 2013 Lexus IS 350 | $236 | $390 | $474 | $1,258 |
| 2012 Lexus IS 350 | $218 | $362 | $474 | $1,212 |
| 2011 Lexus IS 350 | $212 | $328 | $478 | $1,176 |
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 Best Cheap Lexus IS 350 Insurance
Finding cheaper rates on insurance for a Lexus IS 350 not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick review of the data covered in the above illustrations.
- Insureds who may need higher levels of liability will pay an extra $520 every year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $140 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Teenage drivers are the costliest to insure, as much as $394 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,732 |
| 20 | $2,792 |
| 30 | $1,248 |
| 40 | $1,212 |
| 50 | $1,110 |
| 60 | $1,088 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,352 |
| $500 | $1,212 |
| $1,000 | $1,080 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,212 |
| 50/100 | $1,291 |
| 100/300 | $1,409 |
| 250/500 | $1,717 |
| 100 CSL | $1,338 |
| 300 CSL | $1,599 |
| 500 CSL | $1,789 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,710 |
| 20 | $4,456 |
| 30 | $2,664 |
| 40 | $2,626 |
| 50 | $2,510 |
| 60 | $2,484 |
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 | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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