Lexus IS 300 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 9, 2024
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U.S. average insurance rates for a Lexus IS 300 are $1,444 a year for full coverage. Comprehensive costs an estimated $290 each year, collision costs $540, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $3,138. Teen drivers pay the highest rates at $5,454 a year or more.
Average premium for full coverage: $1,444
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist 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 low as $508 for liability-only coverage to a high rate of $3,138 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
The ranges above show why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on price 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 Charts and Tables
The chart below shows estimated Lexus IS 300 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $827
- Choosing higher $1,000 deductibles can save approximately $188 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,444
- Choosing low deductibles for comp and collision coverage will increase the cost to $1,812
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,138 or more
- The price for full coverage for a 16-year-old driver can cost as much as $5,454 each year
Insurance prices for a Lexus IS 300 are also quite variable based on your driving record, the trim level of your IS 300, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lexus IS 300 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,060 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can save as much as $560 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 131% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Find Cheap Lexus IS 300 Insurance
Getting lower rates on insurance for a Lexus IS 300 takes being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a brief summary of the material that was touched on in the above illustrations.
- Insureds who want more liability protection will pay about $500 each year to raise limits from a low limit to 250/500 limits
- Youthful drivers are expensive to insure, with premiums as much as $455 a month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,690 more annually than a low-risk driver
- Increasing physical damage deductibles can save around $550 each year
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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