Lexus IS 250 Insurance Rates

U.S. average insurance rates for a Lexus IS 250 are $1,018 a year with full coverage. Comprehensive costs approximately $192 each year, collision insurance costs $288, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $2,192. 16-year-old drivers pay the highest rates at up to $3,950 a year.

Average premium for full coverage: $1,018

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $603
• Using higher $1,000 deductibles will save $110 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,018
• Buying low deductibles for physical damage coverage bumps up the cost to $1,226
• High-risk insureds with multiple tickets or accidents could pay around $2,192
• The price that insures a 16-year-old driver can cost $3,950 or more

Auto insurance prices for a Lexus IS 250 are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age

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 $730 a year in states like Utah, Ohio, and New Hampshire, or at least $1,370 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut prices by as much as $320 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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 the Cheapest Lexus IS 250 Insurance

Getting lower rates on insurance for a Lexus IS 250 requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop once a year by requesting quotes from direct companies, and also from local insurance agencies.

Below is a recap of the data that was touched on above.

• You may be able to save around $120 per year just by quoting online in advance
• Insureds who purchase higher levels of liability will pay around $440 every year to increase from a low limit to the 250/500 level
• Teenage drivers have the highest car insurance prices, costing up to $329 a month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,170 more per year for auto insurance