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...
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UPDATED: Jun 9, 2024
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Estimated auto insurance rates for a Lexus IS 300 are $1,380 annually for full coverage. Comprehensive costs around $278 a year, collision costs $484, and liability costs $460. A policy with only liability insurance costs as little as $510 a year, with a high-risk policy costing around $2,992. Teens pay the most at $5,240 a year or more.
Average premium for full coverage: $1,380
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and IS 300 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lexus IS 300 go from as cheap as $510 for just liability coverage to a high of $2,992 for a high-risk driver policy.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Detailed Rate Analysis
The chart below shows estimated Lexus IS 300 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $799
- Drivers who choose higher $1,000 deductibles will pay about $1,208 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,380
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,718
- Drivers with serious driving violations could pay at least $2,992 or more
- An auto insurance policy with full coverage for a 16-year-old driver can be $5,240 a year
Car insurance prices for a Lexus IS 300 also have a wide range based on the model of your IS 300, your driver profile, and deductibles and policy limits.
Older drivers with no driving violations 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 much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. 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 $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to get quotes from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different between companies.
| 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 Buy the Best Lexus IS 300 Insurance
Finding better rates on insurance for a Lexus IS 300 not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting quotes from direct carriers, and also from local independent and exclusive agents.
Below you'll find a brief recap of the information touched on in this article.
- Drivers can save up to $170 per year simply by quoting early and online
- Youthful drivers are the costliest to insure, as much as $437 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save up to $500 each year
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,610 more every year than a low-risk driver
- Insureds who may need more liability protection will pay approximately $510 each year to go from 30/60 bodily injury limits to higher 250/500 limits
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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