Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

The chart below illustrates average Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay $238 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,502
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,966
• High-risk insureds with serious driving violations could pay around $3,252
• The price with full coverage for a teenage driver for full coverage can cost $5,366 a year

Insurance prices for a Lexus IS 250 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

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

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

Choosing higher comprehensive and collision insurance deductibles could save up to $710 a year, whereas buying more liability protection will push prices upward. Switching 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 makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,030 on average in Florida, New York, and Michigan.

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 Right Lexus IS 250 Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a quick rundown of the car insurance concepts raised in the charts and tables above.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,750 more per year to insure their IS 250
• It is possible to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $700 each year
• Consumers who purchase more liability coverage will pay approximately $350 annually to go from a low limit to higher 250/500 limits