Lexus IS 300 Insurance Rates
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UPDATED: Jun 9, 2024
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Estimated auto insurance rates for a Lexus IS 300 are $1,486 annually for full coverage insurance. Comprehensive insurance costs around $302, collision insurance costs $574, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $3,230 or more. 16-year-old drivers pay the most at up to $5,580 a year.
Average premium for full coverage: $1,486
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different IS 300 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus IS 300 range from as cheap as $504 for just the minimum liability insurance to a much higher rate of $3,230 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using rate 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 Rate Analysis
The chart below illustrates average Lexus IS 300 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $847
- Raising to $1,000 deductibles will save about $198 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,486
- Buying more expensive low deductibles costs an additional $388 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,230
- An auto insurance policy with full coverage for a teenage driver with full coverage can be $5,580
Insurance prices for a Lexus IS 300 also have a wide range based on the model of your IS 300, your risk profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,800 to $2,400 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $590 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Lexus IS 300 insurance rates. A middle-age driver might find prices as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,010 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,344 | -$142 | -9.6% |
| Alaska | $1,140 | -$346 | -23.3% |
| Arizona | $1,232 | -$254 | -17.1% |
| Arkansas | $1,486 | -$0 | 0.0% |
| California | $1,692 | $206 | 13.9% |
| Colorado | $1,418 | -$68 | -4.6% |
| Connecticut | $1,528 | $42 | 2.8% |
| Delaware | $1,682 | $196 | 13.2% |
| Florida | $1,860 | $374 | 25.2% |
| Georgia | $1,372 | -$114 | -7.7% |
| Hawaii | $1,068 | -$418 | -28.1% |
| Idaho | $1,004 | -$482 | -32.4% |
| Illinois | $1,108 | -$378 | -25.4% |
| Indiana | $1,118 | -$368 | -24.8% |
| Iowa | $1,002 | -$484 | -32.6% |
| Kansas | $1,412 | -$74 | -5.0% |
| Kentucky | $2,026 | $540 | 36.3% |
| Louisiana | $2,200 | $714 | 48.0% |
| Maine | $916 | -$570 | -38.4% |
| Maryland | $1,226 | -$260 | -17.5% |
| Massachusetts | $1,188 | -$298 | -20.1% |
| Michigan | $2,582 | $1,096 | 73.8% |
| Minnesota | $1,244 | -$242 | -16.3% |
| Mississippi | $1,780 | $294 | 19.8% |
| Missouri | $1,318 | -$168 | -11.3% |
| Montana | $1,594 | $108 | 7.3% |
| Nebraska | $1,172 | -$314 | -21.1% |
| Nevada | $1,782 | $296 | 19.9% |
| New Hampshire | $1,072 | -$414 | -27.9% |
| New Jersey | $1,662 | $176 | 11.8% |
| New Mexico | $1,316 | -$170 | -11.4% |
| New York | $1,564 | $78 | 5.2% |
| North Carolina | $856 | -$630 | -42.4% |
| North Dakota | $1,218 | -$268 | -18.0% |
| Ohio | $1,026 | -$460 | -31.0% |
| Oklahoma | $1,524 | $38 | 2.6% |
| Oregon | $1,362 | -$124 | -8.3% |
| Pennsylvania | $1,418 | -$68 | -4.6% |
| Rhode Island | $1,984 | $498 | 33.5% |
| South Carolina | $1,346 | -$140 | -9.4% |
| South Dakota | $1,254 | -$232 | -15.6% |
| Tennessee | $1,300 | -$186 | -12.5% |
| Texas | $1,792 | $306 | 20.6% |
| Utah | $1,100 | -$386 | -26.0% |
| Vermont | $1,016 | -$470 | -31.6% |
| Virginia | $890 | -$596 | -40.1% |
| Washington | $1,148 | -$338 | -22.7% |
| West Virginia | $1,362 | -$124 | -8.3% |
| Wisconsin | $1,030 | -$456 | -30.7% |
| Wyoming | $1,324 | -$162 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus IS 300 | $390 | $718 | $372 | $1,638 |
| 2023 Lexus IS 300 | $372 | $690 | $390 | $1,610 |
| 2022 Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| 2021 Lexus IS 300 | $344 | $668 | $416 | $1,586 |
| 2020 Lexus IS 300 | $332 | $640 | $430 | $1,560 |
| 2019 Lexus IS 300 | $314 | $618 | $442 | $1,532 |
| 2018 Lexus IS 300 | $302 | $574 | $452 | $1,486 |
| 2017 Lexus IS 300 | $290 | $540 | $456 | $1,444 |
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 Cheaper Lexus IS 300 Insurance
Finding better rates on auto insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by getting quotes from direct insurance companies, and also from several local insurance agents.
The following list is a condensed summary of the data touched on above.
- Consumers who may need an increased level of liability coverage will pay around $500 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
- It is possible to save up to $180 per year just by shopping early and online
- Increasing policy deductibles could save up to $575 each year
- Drivers age 16 to 20 are charged the highest prices, with premiums being up to $465 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,444 |
| 30 | $1,548 |
| 40 | $1,486 |
| 50 | $1,358 |
| 60 | $1,332 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,874 |
| $250 | $1,694 |
| $500 | $1,486 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,486 |
| 50/100 | $1,576 |
| 100/300 | $1,689 |
| 250/500 | $1,983 |
| 100 CSL | $1,622 |
| 300 CSL | $1,870 |
| 500 CSL | $2,051 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,974 |
| 20 | $5,490 |
| 30 | $3,298 |
| 40 | $3,230 |
| 50 | $3,084 |
| 60 | $3,058 |
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 | $80 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $69 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $639 |
Discounts are estimated and may not be available from every company or in every state.
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