Lexus IS 300 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Lexus IS 300 are $1,444 annually for full coverage insurance. Comprehensive costs on average $290, collision costs $540, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $3,138. Teens cost the most to insure at $5,454 a year or more.
Average premium for full coverage: $1,444
Policy rates by type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different IS 300 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Lexus IS 300 insurance rates go from as cheap as $508 for a discount liability-only rate to a much higher rate of $3,138 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects car insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below illustrates estimated Lexus IS 300 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $827
- Choosing higher $1,000 deductibles can save around $188 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,444
- Selecting more expensive low deductibles for comp and collision coverage will cost $1,812
- High-risk insureds with serious driving violations could pay upwards of $3,138 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $5,454 each year
Insurance rates for a Lexus IS 300 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $560 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Lexus IS 300 insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied 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
Finding cheaper rates on Lexus IS 300 insurance takes being safe and accident-free, having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a review of the primary concepts that were touched on in the above illustrations.
- It is possible to save as much as $180 per year simply by shopping early and online
- High-risk drivers who have several accidents or serious violations may pay on average $1,690 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Youthful drivers pay higher rates, possibly costing $455 each month if they have full coverage
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
