Lexus IS 250 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 27, 2024

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The average insurance rates for a Lexus IS 250 are $1,502 a year with full coverage. Comprehensive costs on average $362, collision insurance costs $688, and liability insurance costs $316. Liability-only coverage costs as little as $376 a year, and high-risk coverage costs around $3,252. Teenage drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates by type of insurance:

Comprehensive $362
Collision $688
Liability $316

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different IS 250 trim levels.

Price Range Variability

For an average driver, Lexus IS 250 insurance rates range from the low end price of $376 for minimum levels of liability insurance to a much higher rate of $3,252 for a driver required to buy high-risk insurance.

Liability Only $376
Full Coverage $1,502
High Risk $3,252

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,127
Small Cities $1,577
Large Cities $2,028

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below details average Lexus IS 250 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $844
  • Drivers who choose higher $1,000 deductibles will pay around $238 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,502
  • Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,966
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,252
  • Policy cost that insures a teen driver with full coverage may cost $5,366 a year

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

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,030 on average in Florida, Michigan, and New York.

Lexus IS 250 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,358 -$144 -9.6%
Alaska $1,152 -$350 -23.3%
Arizona $1,244 -$258 -17.2%
Arkansas $1,502 -$0 0.0%
California $1,712 $210 14.0%
Colorado $1,432 -$70 -4.7%
Connecticut $1,542 $40 2.7%
Delaware $1,698 $196 13.0%
Florida $1,878 $376 25.0%
Georgia $1,386 -$116 -7.7%
Hawaii $1,080 -$422 -28.1%
Idaho $1,018 -$484 -32.2%
Illinois $1,118 -$384 -25.6%
Indiana $1,132 -$370 -24.6%
Iowa $1,012 -$490 -32.6%
Kansas $1,424 -$78 -5.2%
Kentucky $2,048 $546 36.4%
Louisiana $2,222 $720 47.9%
Maine $928 -$574 -38.2%
Maryland $1,242 -$260 -17.3%
Massachusetts $1,198 -$304 -20.2%
Michigan $2,608 $1,106 73.6%
Minnesota $1,258 -$244 -16.2%
Mississippi $1,800 $298 19.8%
Missouri $1,332 -$170 -11.3%
Montana $1,612 $110 7.3%
Nebraska $1,184 -$318 -21.2%
Nevada $1,800 $298 19.8%
New Hampshire $1,084 -$418 -27.8%
New Jersey $1,680 $178 11.9%
New Mexico $1,328 -$174 -11.6%
New York $1,582 $80 5.3%
North Carolina $864 -$638 -42.5%
North Dakota $1,230 -$272 -18.1%
Ohio $1,034 -$468 -31.2%
Oklahoma $1,540 $38 2.5%
Oregon $1,376 -$126 -8.4%
Pennsylvania $1,432 -$70 -4.7%
Rhode Island $2,002 $500 33.3%
South Carolina $1,360 -$142 -9.5%
South Dakota $1,268 -$234 -15.6%
Tennessee $1,314 -$188 -12.5%
Texas $1,810 $308 20.5%
Utah $1,110 -$392 -26.1%
Vermont $1,026 -$476 -31.7%
Virginia $900 -$602 -40.1%
Washington $1,158 -$344 -22.9%
West Virginia $1,376 -$126 -8.4%
Wisconsin $1,038 -$464 -30.9%
Wyoming $1,336 -$166 -11.1%

Using high physical damage deductibles could save up to $710 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Lexus IS 250 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus IS 250 4-Dr Sedan $1,456 $121
Lexus IS 250 AWD 4-Dr $1,502 $125
Lexus IS 250 C 2-Dr Convertible $1,594 $133

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.

Lexus IS 250 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Lexus IS 250 $192 $288 $402 $1,018

Rates are averaged for all Lexus IS 250 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Lexus IS 250 Insurance

Finding cheaper rates on Lexus IS 250 insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

Below you'll find a review of the data covered in the above illustrations.

  • Drivers who require more liability protection will pay an extra $350 every year to go from a 30/60 limit to the 250/500 level
  • You may be able to save as much as $190 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $700 each year
  • Youthful drivers pay higher rates, as much as $447 each month if comprehensive and collision insurance is included

Rates by Driver Age

Lexus IS 250 Insurance Rates by Driver Age
Driver Age Premium
16 $5,366
20 $3,468
30 $1,586
40 $1,502
50 $1,368
60 $1,344

Full coverage, $500 deductibles

Rates by Deductible

Lexus IS 250 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,966
$250 $1,750
$500 $1,502
$1,000 $1,264

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS 250 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,502
50/100 $1,668
100/300 $1,761
250/500 $2,003
100 CSL $1,706
300 CSL $1,910
500 CSL $2,059

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus IS 250 Insurance Rates for High Risk Drivers
Age Premium
16 $7,710
20 $5,516
30 $3,344
40 $3,252
50 $3,098
60 $3,070

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $212

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $77
Homeowner $20
5-yr Accident Free $119
5-yr Claim Free $98
Paid in Full/EFT $75
Advance Quote $78
Online Quote $109
Total Discounts $658
Rate after discounts $844

Discounts are estimated and may not be available from every company or in every state.

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