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 insurance rates for a Lexus IS 300 are $1,380 a year for full coverage insurance. Comprehensive insurance costs around $278 each year, collision costs $484, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,992 or more. Teens pay the highest rates at $5,240 a year or more.
Average premium for full coverage: $1,380
Price estimates for individual coverage:
Full coverage includes $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and IS 300 models.
Price Range from Low to High
For the normal driver, Lexus IS 300 insurance prices go from as low as $510 for minimum levels of liability insurance to a high rate of $2,992 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using averaged prices.
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 illustrates estimated Lexus IS 300 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $799
- Raising to $1,000 deductibles will save about $172 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,380
- Selecting low deductibles will cost an extra $338 every year
- At-risk drivers with serious driving violations could pay at least $2,992 or more
- The price for full coverage for a teen driver can be $5,240
Auto insurance prices for a Lexus IS 300 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age
The state you live in also has a big influence on Lexus IS 300 insurance prices. A middle-age driver might find prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,870 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$130 | -9.4% |
| Alaska | $1,060 | -$320 | -23.2% |
| Arizona | $1,146 | -$234 | -17.0% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,574 | $194 | 14.1% |
| Colorado | $1,320 | -$60 | -4.3% |
| Connecticut | $1,420 | $40 | 2.9% |
| Delaware | $1,562 | $182 | 13.2% |
| Florida | $1,728 | $348 | 25.2% |
| Georgia | $1,274 | -$106 | -7.7% |
| Hawaii | $992 | -$388 | -28.1% |
| Idaho | $934 | -$446 | -32.3% |
| Illinois | $1,030 | -$350 | -25.4% |
| Indiana | $1,040 | -$340 | -24.6% |
| Iowa | $932 | -$448 | -32.5% |
| Kansas | $1,312 | -$68 | -4.9% |
| Kentucky | $1,886 | $506 | 36.7% |
| Louisiana | $2,044 | $664 | 48.1% |
| Maine | $852 | -$528 | -38.3% |
| Maryland | $1,140 | -$240 | -17.4% |
| Massachusetts | $1,106 | -$274 | -19.9% |
| Michigan | $2,400 | $1,020 | 73.9% |
| Minnesota | $1,156 | -$224 | -16.2% |
| Mississippi | $1,654 | $274 | 19.9% |
| Missouri | $1,224 | -$156 | -11.3% |
| Montana | $1,482 | $102 | 7.4% |
| Nebraska | $1,090 | -$290 | -21.0% |
| Nevada | $1,658 | $278 | 20.1% |
| New Hampshire | $996 | -$384 | -27.8% |
| New Jersey | $1,544 | $164 | 11.9% |
| New Mexico | $1,224 | -$156 | -11.3% |
| New York | $1,454 | $74 | 5.4% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $954 | -$426 | -30.9% |
| Oklahoma | $1,420 | $40 | 2.9% |
| Oregon | $1,264 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$62 | -4.5% |
| Rhode Island | $1,842 | $462 | 33.5% |
| South Carolina | $1,250 | -$130 | -9.4% |
| South Dakota | $1,164 | -$216 | -15.7% |
| Tennessee | $1,210 | -$170 | -12.3% |
| Texas | $1,666 | $286 | 20.7% |
| Utah | $1,022 | -$358 | -25.9% |
| Vermont | $946 | -$434 | -31.4% |
| Virginia | $826 | -$554 | -40.1% |
| Washington | $1,068 | -$312 | -22.6% |
| West Virginia | $1,266 | -$114 | -8.3% |
| Wisconsin | $956 | -$424 | -30.7% |
| Wyoming | $1,232 | -$148 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| 2023 Lexus IS 300 | $344 | $668 | $416 | $1,586 |
| 2022 Lexus IS 300 | $332 | $640 | $430 | $1,560 |
| 2021 Lexus IS 300 | $314 | $618 | $442 | $1,532 |
| 2020 Lexus IS 300 | $302 | $574 | $452 | $1,486 |
| 2019 Lexus IS 300 | $290 | $540 | $456 | $1,444 |
| 2018 Lexus IS 300 | $278 | $484 | $460 | $1,380 |
| 2017 Lexus IS 300 | $260 | $446 | $460 | $1,324 |
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 Find More Affordable Lexus IS 300 Insurance
Getting lower rates on car insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a summary of the coverage data presented in the illustrations above.
- It is possible to save up to $170 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $500 each year
- Teens are expensive to insure, as much as $437 a month if they have full coverage
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,610 more every year for IS 300 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,184 |
| 30 | $1,432 |
| 40 | $1,380 |
| 50 | $1,262 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,718 |
| $250 | $1,560 |
| $500 | $1,380 |
| $1,000 | $1,208 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,472 |
| 100/300 | $1,587 |
| 250/500 | $1,886 |
| 100 CSL | $1,518 |
| 300 CSL | $1,771 |
| 500 CSL | $1,955 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,462 |
| 20 | $5,074 |
| 30 | $3,050 |
| 40 | $2,992 |
| 50 | $2,858 |
| 60 | $2,834 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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