2022 Lexus IS 350 Car Insurance Calculator

Learn in real-time how seemingly small changes influence insurance rates for a 2022 Lexus IS 350. Adjust rate factors like credit rating, policy coverages, and liability limits to see how insurance cost is affected. See instantly how and why rates change based on your selections.

The average estimated car insurance premium for a 2022 Lexus IS 350 is $2,662 per year, or about $222 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,662

Cost Per Month

$222

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus IS 350 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Lexus IS 350.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,662
Average Rate
Your Rate
$2,662

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Lexus IS 350 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Lexus IS 350 is $2,662.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Lexus IS 350 vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2022 Lexus IS 350 against all other models in the small luxury car segment. The Lexus IS 350 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus IS 350, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus IS 350.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Lexus IS 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz A220$2,100-$562
2Acura TLX$2,166-$496
3BMW 330i$2,260-$402
4Volvo S60$2,294-$368
5BMW 330e$2,302-$360
6Genesis G70$2,306-$356
7BMW 228i$2,314-$348
8BMW 230i$2,330-$332
9Cadillac CT4$2,370-$292
10Alfa Romeo Giulia$2,372-$290
11Lexus RC 350$2,380-$282
2022 Small Luxury Car Average$2,410-$252
12Audi A4$2,476-$186
13Audi S3$2,484-$178
14BMW M235i$2,518-$144
15Mercedes-Benz C300$2,544-$118
16Audi RS 3$2,604-$58
17BMW M240i$2,644-$18
18Lexus IS 350$2,662--
19BMW M340i$2,668$6

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 IS 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Lexus IS 350.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Lexus IS 350 Insurance Rates by Trim Level
2022 Lexus IS 350 Trim Level Annual Premium Cost Per Month
F Sport Sedan$2,630$219
F Sport AWD$2,696$225

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Lexus IS 350 for different driver ages.

2022 Lexus IS 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,480$790
17$9,216$768
18$8,315$693
19$7,544$629
20$5,785$482
21$5,519$460
22$4,949$412
23$4,035$336
24$3,823$319
25$3,100$258
30$2,844$237
35$2,732$228
40$2,662$222
45$2,484$207
50$2,348$196
55$2,194$183
60$2,202$184
65$2,350$196
70$2,532$211
75$2,970$248
80$3,664$305

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus IS 350 trim levels.