Lexus IS 250 Insurance Rates

Average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive insurance costs around $362, collision costs $688, and liability costs around $316. Buying just liability costs as low as $376 a year, with insurance for high-risk drivers costing $3,252 or more. Teens receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates for individual coverage type:

Includes $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different IS 250 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $844
• Using higher $1,000 deductibles will save about $238 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,502
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $464 annually
• High-risk insureds with serious driving violations could pay at least $3,252 or more
• The cost that insures a 16-year-old driver with full coverage can be $5,366 or more

Auto insurance rates for a Lexus IS 250 can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,800 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can be from 45% to 134% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Where you live has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,030 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $710 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2026 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.

How to Find the Cheapest Lexus IS 250 Insurance

Saving money on insurance for a Lexus IS 250 requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a recap of the data touched on in this article.

• Insureds who may need increased levels of liability coverage will pay approximately $350 annually to increase from a minimum limit to the 250/500 level
• It is possible to save up to $190 per year simply by shopping early and online
• Increasing deductibles can save approximately $700 each year
• Drivers age 20 and younger are expensive to insure, costing up to $447 per month if the policy includes full coverage