Lexus IS 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 9, 2024
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U.S. average auto insurance rates for a Lexus IS 300 are $1,444 annually for full coverage. Comprehensive costs on average $290 each year, collision costs $540, and liability coverage is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $3,138. 16-year-old drivers pay the highest rates at $5,454 a year or more.
Average premium for full coverage: $1,444
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and IS 300 models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus IS 300 insurance prices go from as cheap as $508 for basic liability insurance to a high rate of $3,138 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have fewer accident claims than congested cities.
The graphic below illustrates how where you live affects car insurance rates.
The ranges above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.
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.
Rate Comparisons
The chart below shows estimated Lexus IS 300 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $827
- Raising to $1,000 deductibles will save around $188 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,444
- Buying low deductibles will cost $1,812
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,138 or more
- The price with full coverage for a teenage driver may cost $5,454
Insurance prices for a Lexus IS 300 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $560 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Lexus IS 300 insurance rates. A middle-age driver might find prices as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,060 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,306 | -$138 | -9.6% |
| Alaska | $1,108 | -$336 | -23.3% |
| Arizona | $1,198 | -$246 | -17.0% |
| Arkansas | $1,444 | -$0 | 0.0% |
| California | $1,646 | $202 | 14.0% |
| Colorado | $1,382 | -$62 | -4.3% |
| Connecticut | $1,486 | $42 | 2.9% |
| Delaware | $1,636 | $192 | 13.3% |
| Florida | $1,808 | $364 | 25.2% |
| Georgia | $1,334 | -$110 | -7.6% |
| Hawaii | $1,038 | -$406 | -28.1% |
| Idaho | $976 | -$468 | -32.4% |
| Illinois | $1,076 | -$368 | -25.5% |
| Indiana | $1,088 | -$356 | -24.7% |
| Iowa | $974 | -$470 | -32.5% |
| Kansas | $1,374 | -$70 | -4.8% |
| Kentucky | $1,972 | $528 | 36.6% |
| Louisiana | $2,138 | $694 | 48.1% |
| Maine | $894 | -$550 | -38.1% |
| Maryland | $1,192 | -$252 | -17.5% |
| Massachusetts | $1,156 | -$288 | -19.9% |
| Michigan | $2,510 | $1,066 | 73.8% |
| Minnesota | $1,208 | -$236 | -16.3% |
| Mississippi | $1,732 | $288 | 19.9% |
| Missouri | $1,282 | -$162 | -11.2% |
| Montana | $1,552 | $108 | 7.5% |
| Nebraska | $1,138 | -$306 | -21.2% |
| Nevada | $1,732 | $288 | 19.9% |
| New Hampshire | $1,042 | -$402 | -27.8% |
| New Jersey | $1,614 | $170 | 11.8% |
| New Mexico | $1,280 | -$164 | -11.4% |
| New York | $1,522 | $78 | 5.4% |
| North Carolina | $834 | -$610 | -42.2% |
| North Dakota | $1,182 | -$262 | -18.1% |
| Ohio | $996 | -$448 | -31.0% |
| Oklahoma | $1,484 | $40 | 2.8% |
| Oregon | $1,324 | -$120 | -8.3% |
| Pennsylvania | $1,378 | -$66 | -4.6% |
| Rhode Island | $1,928 | $484 | 33.5% |
| South Carolina | $1,308 | -$136 | -9.4% |
| South Dakota | $1,218 | -$226 | -15.7% |
| Tennessee | $1,264 | -$180 | -12.5% |
| Texas | $1,740 | $296 | 20.5% |
| Utah | $1,070 | -$374 | -25.9% |
| Vermont | $990 | -$454 | -31.4% |
| Virginia | $866 | -$578 | -40.0% |
| Washington | $1,118 | -$326 | -22.6% |
| West Virginia | $1,324 | -$120 | -8.3% |
| Wisconsin | $1,000 | -$444 | -30.7% |
| Wyoming | $1,288 | -$156 | -10.8% |
Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus IS 300 | $372 | $690 | $390 | $1,610 |
| 2023 Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| 2022 Lexus IS 300 | $344 | $668 | $416 | $1,586 |
| 2021 Lexus IS 300 | $332 | $640 | $430 | $1,560 |
| 2020 Lexus IS 300 | $314 | $618 | $442 | $1,532 |
| 2019 Lexus IS 300 | $302 | $574 | $452 | $1,486 |
| 2018 Lexus IS 300 | $290 | $540 | $456 | $1,444 |
| 2017 Lexus IS 300 | $278 | $484 | $460 | $1,380 |
Rates are averaged for all Lexus IS 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Lexus IS 300 Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a review of the information touched on in the above illustrations.
- Drivers can save as much as $180 per year simply by quoting online in advance
- Teen drivers pay the highest prices, with premiums as much as $455 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $550 each year
- Drivers who have several accidents or serious violations may be required to pay an average of $1,690 more each year to insure their IS 300
- Consumers who require more liability coverage will pay around $500 each year to raise from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,454 |
| 20 | $3,346 |
| 30 | $1,502 |
| 40 | $1,444 |
| 50 | $1,320 |
| 60 | $1,296 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,812 |
| $250 | $1,642 |
| $500 | $1,444 |
| $1,000 | $1,256 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,444 |
| 50/100 | $1,535 |
| 100/300 | $1,649 |
| 250/500 | $1,946 |
| 100 CSL | $1,581 |
| 300 CSL | $1,832 |
| 500 CSL | $2,014 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,782 |
| 20 | $5,332 |
| 30 | $3,202 |
| 40 | $3,138 |
| 50 | $2,998 |
| 60 | $2,972 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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