Lexus IS 250 Insurance Rates

Estimated insurance prices for a Lexus IS 250 are $1,502 every 12 months including full coverage. Comprehensive costs an estimated $362 a year, collision insurance costs $688, and liability costs $316. Liability-only insurance costs as little as $376 a year, and high-risk driver insurance costs around $3,252. Teenage drivers pay the most at up to $5,366 a year.

Average premium for full coverage: $1,502

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down average Lexus IS 250 insurance rates for other coverage scenarios.

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $1,264 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,502
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,966
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,252
• An auto insurance policy to insure a teen driver can cost as much as $5,366 a year

Insurance prices for a Lexus IS 250 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $710 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,140 on average in Louisiana, 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 Shop for More Affordable Lexus IS 250 Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to shop around every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a summary of the information illustrated above.

• You may be able to save approximately $190 per year just by quoting early and online
• Teenagers are expensive to insure, with the cost nearing $447 per month if full coverage is included
• Increasing policy deductibles could save as much as $700 each year
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,750 more annually for car insurance
• Policyholders who want higher liability limits will pay an extra $350 per year to go from 30/60 bodily injury limits to a 250/500 level