Lexus IS 250 Insurance Rates

U.S. average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive insurance costs approximately $362 a year, collision costs $688, and liability insurance is estimated at $316. Buying just liability costs approximately $376 a year, with insurance for high-risk drivers costing $3,252 or more. Teenage drivers pay the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and IS 250 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

The ranges above show why it is important to get quotes using their specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save $1,264 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,502
• Using low $100 deductibles for comp and collision coverage will cost an extra $464 a year
• High-risk insureds who are prone to accidents and violations could pay around $3,252 or more
• The price for full coverage for a teen driver can cost $5,366 each year

Insurance prices for a Lexus IS 250 are also quite variable based on your driving record, the trim level of your IS 250, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus IS 250 insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,140 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can save as much as $710 each year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,800 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite different 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 the Best Cheap Lexus IS 250 Insurance

Getting lower rates on Lexus IS 250 insurance takes avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a quick review of the data that was touched on in the above illustrations.

• Drivers can save around $190 per year simply by quoting early and online
• Drivers who purchase increased liability limits will pay an extra $350 each year to raise limits from a low limit to 250/500 limits
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $447 a month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,750 more per year to insure a Lexus IS 250