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: Jun 4, 2023

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You may have found yourself wondering how much you might have to pay for insurance on a Lexus IS 250. If this sounds like you, you should know that the average Lexus IS 250 rates amounts to $1,396 a year for full coverage, which translates to a $116 monthly bill.

There are a variety of factors that ultimately impact Lexus IS 250 insurance costs, such as the model year of the vehicle. For example, 2007 Lexus IS 250 insurance costs much less than a policy for the newest model.

In order to help you effectively compare Lexus IS 250 costs, we’ve prepared this comprehensive guide for you. Once you’ve read through the material outlined in this article, use our free online tool to compare Lexus IS 250 quotes from top companies.

Comparing auto insurance on the web is simple to do, in addition you will probably save money. The critical component is to take the time to get as many rate quotes as possible so you can compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be complicated if you have never used online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best auto insurance prices, there are several ways of comparing rates from auto insurance companies in your area. The recommended way to find the lowest Lexus IS-250 insurance cost involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine Lexus IS-250 insurance quotes

Insurance rates for a Lexus IS-250 can vary widely subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating
  • Male rates may be higher
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor that can impact the rate you pay on your Lexus IS-250 is the year of manufacture. Used vehicles have a much lower replacement value so repair costs tend to be lower which can decrease annual premiums. But newer vehicles may have options including tire pressure monitors, active head restraints, and pedestrian detection which can provide discounts that lower premiums.

Liability car insurance - Lexus IS-250 liability coverage can cover injuries or damage you cause to other people or property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - This coverage covers damage to your IS-250 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Lexus IS-250 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.

Now that you are aware of how Lexus IS 250 rates can fluctuate, you have a better understanding of what you might expect to pay based on the model year of your vehicle. For example, the insurance cost of a 2015 Lexus IS 250 will be different than the price range of a 2008 Lexus IS 250 premium.

The best way to find out what your individual policy will look like is by using our free online quote tool below.

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What Are the Lexus IS 250 Safety Ratings?

It’s important to consider the safety ratings of the Lexus IS 250 to gain a better understanding of where you might qualify for policy discounts. After all, the safer the vehicle is, the less money you should have to pay for insurance

Take a look at the safety ratings of the Lexus IS 250 below with crash test results reported by the Insurance Institute for Highway Safety.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): N/R
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

In case you are unaware, the IIHS classifies “Good” as the highest rating possible. The Lexus IS 250 achieved that grade in every part of the car that was tested.

How to Compare Lexus IS 250 Against Other Vehicles in the Same Class

Experts from the Insurance Institute for Highway Safety classify the Lexus IS 250 as a midsize four-door luxury car. By comparison, other similar models include the following:

When providing you with a quote, insurance companies will consider the loss percentages of the Lexus IS 250 as it compares to other similar models in this class.

By now you should have a great handle on how Lexus IS 250 insurance rates are calculated, so is there anything we might have missed? If not, start comparing Lexus IS 250 insurance rates from several companies by using our free quote tool today.

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