Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different IS 250 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $844
• Drivers who choose higher $1,000 deductibles will pay about $238 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,502
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $464 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,252 or more
• The price for full coverage for a teen driver with full coverage can be $5,366 a year

Insurance prices for a Lexus IS 250 are also quite variable based on your driving record, the model of your IS 250, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,140 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could save up to $710 each year, while increasing your policy's liability limits will increase prices. Changing 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 are likely paying at least $1,800 to $2,400 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, and prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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 Cheaper Lexus IS 250 Insurance

Getting lower rates on Lexus IS 250 insurance not only requires being a good driver, but also having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to shop around at least every other year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents pay on average $1,750 more every year than a safer driver
• You may be able to save up to $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $700 each year
• Drivers who may need an increased level of liability coverage will pay about $350 per year to go from a low limit to 250/500 limits