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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Estimated auto insurance rates for a Lexus IS 300 are $1,444 annually with full coverage. Comprehensive insurance costs approximately $290, collision insurance costs $540, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $3,138 or more. 16-year-old drivers pay the most at up to $5,454 a year.
Average premium for full coverage: $1,444
Premium estimates by type of coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all IS 300 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus IS 300 range from as cheap as $508 for minimum levels of liability insurance to the much higher price of $3,138 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Details
The chart below details average Lexus IS 300 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $827
- Drivers who choose higher $1,000 deductibles will pay $188 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,444
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $368 annually
- Drivers with multiple tickets or accidents could pay around $3,138
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $5,454 a year
Insurance prices for a Lexus IS 300 also have a wide range based on the model of your IS 300, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,400 extra annually, depending on your age. Lexus IS 300 insurance for high-risk drivers can cost from 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $560 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Lexus IS 300 insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,950 on average in New York, Michigan, and Florida.
| 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% |
| 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 the Best Lexus IS 300 Insurance
Finding better rates on insurance for a Lexus IS 300 not only requires being a low-risk driver, but also having a good credit history, being claim-free, and possibly raising deductibles. Invest the time to compare rates every year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a brief recap of the coverage data presented in the illustrations above.
- You may be able to save around $180 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $550 each year
- Teen drivers are expensive to insure, possibly costing $455 per month including comprehensive and collision insurance
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,690 more per year to insure their IS 300
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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