Lexus IS 250 Insurance Rates

The average auto insurance rates for a Lexus IS 250 are $1,502 annually with full coverage. Comprehensive costs an estimated $362, collision costs $688, and liability coverage is $316. Buying just liability costs around $376 a year, with insurance for high-risk drivers costing around $3,252. Teens cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates broken down by type of insurance:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different IS 250 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

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

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated Lexus IS 250 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $844
• Raising to $1,000 deductibles will save approximately $238 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,502
• Selecting more expensive low deductibles will cost $1,966
• Unlucky drivers with serious driving violations could pay up to $3,252 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,366

Insurance rates for a Lexus IS 250 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $710 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus IS 250 insurance rates. A middle-age driver might find rates as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,030 on average in New York, Michigan, and Florida.

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates will be varied between companies.

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 Low Cost Lexus IS 250 Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and taking advantage of discounts. Make time to compare rates every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a review of the information touched on in this article.

• You may be able to save approximately $190 per year simply by shopping early and online
• Teens are charged the highest rates, as much as $447 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Drivers who have several accidents or serious violations pay on average $1,750 more annually for IS 250 insurance
• Consumers who want higher liability limits will pay approximately $350 every year to raise from a 30/60 limit to higher 250/500 limits