Lexus IS 300 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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.
Estimated insurance rates for a Lexus IS 300 are $1,444 a year with full coverage. Comprehensive costs an estimated $290, collision insurance costs $540, and liability costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $3,138. Teenage drivers pay the most at up to $5,454 a year.
Average premium for full coverage: $1,444
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all IS 300 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus IS 300 range from as low as $508 for the bare minimum liability coverage to the much higher price of $3,138 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The example below illustrates how location impacts insurance prices.
These rate differences demonstrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.
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 Information
The chart below details average Lexus IS 300 insurance rates for other coverage scenarios.
- The best discount rate is $827
- Drivers who choose higher $1,000 deductibles will pay approximately $188 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,444
- Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,812
- Drivers who are prone to accidents and violations could pay up to $3,138
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $5,454 a year
Insurance prices for a Lexus IS 300 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
A more mature driver with no violations or accidents and high 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 good drivers should be prepared to pay at least $5,400 a year. View Rates by Age
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 be forced to pay as much as $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% |
Using high physical damage deductibles could save up to $560 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,400 additional annually, depending on your age. Lexus IS 300 insurance for high-risk drivers can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates
| 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 Cheaper Lexus IS 300 Insurance
Finding better rates on insurance for a Lexus IS 300 not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a condensed summary of the ideas that were touched on above.
- Teenagers are expensive to insure, possibly costing $455 per month including comprehensive and collision insurance
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,690 more annually for car insurance
- Increasing policy deductibles can save around $550 each year
- You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
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
