Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus IS 350? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus IS 350 car insurance facts

  • Average full coverage auto insurance premium: $206/month

  • Most affordable companies: GEICO ($108/month) & State Farm ($115/month)

  • IS 350 car insurance cost vs. average rates: $95 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus IS 350 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus IS 350 insurer costs by state:

Risk factors affecting Lexus IS 350 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus IS 350 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus IS 350 repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus IS 350 affecting car insurance policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1806
Allstate$1911
Auto-Owners$2135
Cincinnati Insurance$2348
Direct Auto$2284
Erie Insurance$1603
GEICO$1298
Kentucky Farm Bureau$2203
Liberty Mutual$1855
Mercury$1726
MetLife$2527
Nationwide$1480
Plymouth Rock$2319
Progressive$2035
Safe Auto$2648
State Farm$1346
Tennessee Farmers$1396
Texas Farm Bureau$1784
Travelers$1577

Compare all 2021 Lexus IS 350 rates

Average Cost to Insure Per Year

$2465

List Price

$42950

Trims Available

Base - Base Engine: 241-hp turbocharged 2.0-liter four-cylinder with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2020 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1752
Allstate$1843
Auto-Owners$2036
Erie Insurance$1564
Farmers$2159
GEICO$1230
Liberty Mutual$1829
Mercury$1680
MetLife$2492
Nationwide$1338
Progressive$1981
State Farm$1261
Tennessee Farmers$1329
Texas Farm Bureau$1709
The Hanover$2356
Travelers$1479

Compare all 2020 Lexus IS 350 rates

Average Cost to Insure Per Year

$2420

List Price

$42180

Trims Available

Base - Base Engine: 241-hp turbocharged 2.0-liter four-cylinder with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2019 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1720
Allstate$1835
Auto-Owners$2019
Erie Insurance$1530
GEICO$1186
Kentucky Farm Bureau$2206
Liberty Mutual$1792
Mercury$1643
MetLife$2480
Nationwide$1334
Progressive$1964
State Farm$1248
Tennessee Farmers$1309
Texas Farm Bureau$1697
The Hanover$2349
Travelers$1452

Compare all 2019 Lexus IS 350 rates

Average Cost to Insure Per Year

$2416

List Price

$42200

Trims Available

Base - Base Engine: 241-hp turbocharged 2.0-liter four-cylinder with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2018 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1989
Acuity$ 1989
Allied$ 1697
Allied$ 1697
American Family$ 2256
American Family$ 2256
Arbella$ 2166
Arbella$ 2166
Erie$ 1122
Erie$ 1122
Mercury$ 1687
Mercury$ 1687
Nationwide$ 1744
Nationwide$ 1744
Plymouth Rock Insurance$ 1845
Plymouth Rock Insurance$ 1845
State Farm$ 2017
State Farm$ 2017
Tennessee Farmers$ 1273
Tennessee Farmers$ 1273
USAA$ 1494
USAA$ 1494
Vermont Mutual$ 2185
Vermont Mutual$ 2185

Compare all 2018 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 2396

List Price

$ 41830

Trims Available

Base

2017 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1895
Acuity$ 1895
Allied$ 1723
Allied$ 1723
Arbella$ 2008
Arbella$ 2008
Erie$ 1078
Erie$ 1078
Mercury$ 1642
Mercury$ 1642
Nationwide$ 1764
Nationwide$ 1764
Plymouth Rock Insurance$ 1782
Plymouth Rock Insurance$ 1782
State Farm$ 1836
State Farm$ 1836
Tennessee Farmers$ 1273
Tennessee Farmers$ 1273
Texas Farm Bureau$ 1398
Texas Farm Bureau$ 1398
USAA$ 1490
USAA$ 1490
Vermont Mutual$ 2014
Vermont Mutual$ 2014

Compare all 2017 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1940

List Price

$ 41370

Trims Available

Base

2016 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1722
Acuity$ 1722
Allied$ 1756
Allied$ 1756
American Family$ 1870
American Family$ 1870
Country$ 1865
Country$ 1865
Erie$ 1014
Erie$ 1014
Mercury$ 1613
Mercury$ 1613
Nationwide$ 1750
Nationwide$ 1750
Plymouth Rock Insurance$ 1703
Plymouth Rock Insurance$ 1703
Tennessee Farmers$ 1196
Tennessee Farmers$ 1196
Texas Farm Bureau$ 1314
Texas Farm Bureau$ 1314
USAA$ 1366
USAA$ 1366
Vermont Mutual$ 1779
Vermont Mutual$ 1779

Compare all 2016 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1933

List Price

$ 40870

Trims Available

Base

2015 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1500
Acuity$ 1500
American Family$ 1690
American Family$ 1690
Country$ 1686
Country$ 1686
Erie$ 978
Erie$ 978
Mercury$ 1591
Mercury$ 1591
Nationwide$ 1737
Nationwide$ 1737
Plymouth Rock Insurance$ 1634
Plymouth Rock Insurance$ 1634
State Farm$ 1613
State Farm$ 1613
Tennessee Farmers$ 1537
Tennessee Farmers$ 1537
Texas Farm Bureau$ 1248
Texas Farm Bureau$ 1248
USAA$ 1303
USAA$ 1303
Vermont Mutual$ 1509
Vermont Mutual$ 1509

Compare all 2015 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1767

List Price

$ 40065

Trims Available

Base

2014 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1286
Acuity$ 1286
American Family$ 1517
American Family$ 1517
Arbella$ 1540
Arbella$ 1540
Country$ 1468
Country$ 1468
Erie$ 963
Erie$ 963
GEICO$ 1450
GEICO$ 1450
Mercury$ 1565
Mercury$ 1565
Plymouth Rock Insurance$ 1582
Plymouth Rock Insurance$ 1582
Tennessee Farmers$ 1295
Tennessee Farmers$ 1295
Texas Farm Bureau$ 1124
Texas Farm Bureau$ 1124
USAA$ 1249
USAA$ 1249
Vermont Mutual$ 1247
Vermont Mutual$ 1247

Compare all 2014 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1636

List Price

$ 39465

Trims Available

Base

2013 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1462
Acuity$ 1462
Allied$ 1534
Allied$ 1534
Arbella$ 1619
Arbella$ 1619
Erie$ 976
Erie$ 976
Mercury$ 1568
Mercury$ 1568
Nationwide$ 1610
Nationwide$ 1610
Plymouth Rock Insurance$ 1511
Plymouth Rock Insurance$ 1511
State Farm$ 1607
State Farm$ 1607
Tennessee Farmers$ 1497
Tennessee Farmers$ 1497
Texas Farm Bureau$ 1185
Texas Farm Bureau$ 1185
USAA$ 1223
USAA$ 1223
Vermont Mutual$ 1411
Vermont Mutual$ 1411

Compare all 2013 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1596

List Price

$ 40320

Trims Available

Base

2012 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1344
Acuity$ 1344
Allied$ 1530
Allied$ 1530
American Family$ 1533
American Family$ 1533
Erie$ 914
Erie$ 914
Mercury$ 1565
Mercury$ 1565
Nationwide$ 1535
Nationwide$ 1535
Plymouth Rock Insurance$ 1460
Plymouth Rock Insurance$ 1460
State Farm$ 1394
State Farm$ 1394
Tennessee Farmers$ 1449
Tennessee Farmers$ 1449
Texas Farm Bureau$ 1167
Texas Farm Bureau$ 1167
USAA$ 1139
USAA$ 1139
Vermont Mutual$ 1307
Vermont Mutual$ 1307

Compare all 2012 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1586

List Price

$ 40020

Trims Available

Base

2011 Lexus IS 350

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1384
Allied$ 1384
American Family$ 1472
American Family$ 1472
Arbella$ 1262
Arbella$ 1262
Erie$ 911
Erie$ 911
GEICO$ 1510
GEICO$ 1510
Nationwide$ 1472
Nationwide$ 1472
Plymouth Rock Insurance$ 1434
Plymouth Rock Insurance$ 1434
Southern Farm Bureau$ 1447
Southern Farm Bureau$ 1447
Tennessee Farmers$ 1318
Tennessee Farmers$ 1318
Texas Farm Bureau$ 1092
Texas Farm Bureau$ 1092
USAA$ 1121
USAA$ 1121
Vermont Mutual$ 1140
Vermont Mutual$ 1140

Compare all 2011 Lexus IS 350 rates

Average Cost to Insure Per Year

$ 1472

List Price

$ 39720

Trims Available

Base