Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

The examples above demonstrate why everyone should get quotes for a specific zip code and risk profile, 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 estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $844
• Choosing higher $1,000 deductibles can save about $238 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,502
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $464 annually
• Higher-risk drivers with serious driving violations could pay at least $3,252 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $5,366 each year

Insurance rates for a Lexus IS 250 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay 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.

Choosing higher comprehensive and collision insurance deductibles can save as much as $710 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,800 to $2,400 extra every year, depending on your age. Lexus IS 250 insurance for high-risk drivers ranges from 45% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 More Affordable Lexus IS 250 Insurance

Finding cheaper rates on insurance for a Lexus IS 250 takes avoiding accidents and claims, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a summary of the coverage data illustrated above.

• You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $700 each year
• Drivers under the age of 20 pay higher rates, as much as $447 each month for full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,750 more every year to insure a Lexus IS 250