Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Price estimates for individual coverage:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below details average 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 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,502
• Selecting pricier low deductibles for physical damage coverage costs an additional $464 annually
• High-risk insureds with serious driving violations could pay at least $3,252
• The price with full coverage for a 16-year-old driver for full coverage can be $5,366 or more

Insurance prices for a Lexus IS 250 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,800 to $2,400 additional each year, depending on your age. Lexus IS 250 insurance for high-risk drivers can be from 45% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,030 on average in Florida, Michigan, and New York.

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 Buy the Cheapest Lexus IS 250 Insurance

Getting lower rates on insurance for a Lexus IS 250 requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the information covered in the above illustrations.

• You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
• Teenage drivers are charged the highest prices, costing up to $447 a month if they have full coverage
• Increasing physical damage deductibles could save up to $700 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,750 more every year for auto insurance
• Insureds who may need higher levels of liability will pay approximately $350 every year to increase from a low limit to higher 250/500 limits