Lexus IS 350 F Sport Car Insurance Quotes (2025)

The Lexus IS 350 F Sport is a sportier version of Lexus’ base IS sedan.^[1] It’s a popular luxury sedan known for its sleek design and strong performance. On average, insuring a Lexus IS 350 F Sport costs about $122 per month for liability coverage and $229 for full-coverage insurance, according to Insurify data.

The Lexus IS 350 F Sport tends to cost slightly more, on average, to insure than similar vehicles in its class, like the BMW 3 Series or the Audi A4, according to Insurify data.

Here’s what you should know about insuring your Lexus IS 350 F Sport, including average insurance premiums by model year and state.

Cost of Lexus IS 350 F Sport insurance by model year

The average cost to insure a Lexus IS is $229 per month for full-coverage insurance and $122 for liability-only coverage. Premiums vary by model year, but USAA consistently offers some of the lowest rates for eligible drivers.

Below, you can see average insurance costs for the IS 350 F Sport by model year.

Model Year	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
2025	$161	$303
2024	$185	$348
2023	$160	$301
2022	$160	$302
2021	$165	$311
2020	$137	$259
2019	$151	$284
2018	$139	$262
2017	$142	$268
2016	$138	$259

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of Lexus insurance by state

Insurance premiums for your Lexus vehicle will vary depending on where you live. Factors like state insurance laws, local accident rates, repair costs, and crime rates all affect what you pay for coverage. For example, drivers in high-density cities or in locations with frequent severe weather conditions often pay more for coverage than drivers in rural areas or places with mild weather.^[2]

The table below shows the average monthly quote for a Lexus vehicle by state. Alaska and Hawaii are not included due to lack of data.

Full-Coverage Rates by State

State	Average Monthly Quote
Alabama	$150
Arkansas	$269
Arizona	$183
California	$253
Colorado	$231
Connecticut	$352
Delaware	$259
Florida	$242
Georgia	$262
Iowa	$127
Idaho	$132
Illinois	$179
Indiana	$152
Kansas	$173
Kentucky	$228
Louisiana	$233
Massachusetts	$187
Maryland	$356
Maine	$158
Michigan	$291
Minnesota	$205
Missouri	$203
Mississippi	$218
Montana	$174
North Carolina	$98
North Dakota	$144
Nebraska	$184
New Hampshire	$119
New Jersey	$187
New Mexico	$167
Nevada	$295
New York	$495
Ohio	$136
Oklahoma	$187
Oregon	$169
Pennsylvania	$182
Rhode Island	$155
South Carolina	$283
South Dakota	$136
Tennessee	$157
Texas	$248
Utah	$192
Virginia	$202
Vermont	$159
Washington	$168
District of Columbia	$361
Wisconsin	$139
West Virginia	$165
Wyoming	$125

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How to ensure you have enough coverage on your Lexus IS 350 F Sport

Choosing the right insurance coverage for your Lexus IS 350 F Sport goes beyond meeting your state’s minimum requirements. Lexuses are high-value vehicles, so it’s essential to protect them from major accidents and everyday risks like theft and vandalism.

Here are the essential car insurance coverages to consider to protect your vehicle.

• 

  Liability coverage

  Every state except New Hampshire requires you to buy liability insurance to cover bodily injury and property damage you cause to others in an accident. Because the Lexus IS 350 F Sport is a luxury model, it’s a good idea to carry limits higher than the state-mandated minimum to protect you financially.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage protects you if someone with little or no insurance hits you. With medical bills and car repairs potentially costing thousands, this coverage helps protect you from paying out of pocket.

• 

  Collision coverage

  Collision insurance pays for damage to your Lexus if you have an accident with another vehicle or object, regardless of fault. Given the cost of repairs on sports cars, collision coverage is a good way to avoid steep out-of-pocket expenses after a crash.

• 

  Comprehensive coverage

  Comprehensive insurance protects your vehicle from non-collision incidents, like theft, vandalism, fire, flood, hail, and wind. For example, if a tree falls on your parked car, your comprehensive insurance can cover the repairs.^[3]

• 

  Gap coverage

  If you total your Lexus early in its loan or lease period, gap insurance covers the difference between what you owe and what your insurance company pays for the claim. This coverage is helpful because the value of a new car depreciates quickly after you drive it off the lot.^[4]

Lexus 350 F Sport car insurance FAQs