Lexus IS 250 Insurance Rates

Average auto insurance rates for a Lexus IS 250 are $1,502 annually including full coverage. Comprehensive insurance costs around $362, collision costs $688, and liability is estimated at $316. A policy with just liability insurance costs approximately $376 a year, with coverage for high-risk drivers costing $3,252 or more. 16-year-old drivers receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates for individual coverage type:

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how location helps determine auto insurance rates.

These examples highlight why everyone should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $844
• Choosing higher $1,000 deductibles can save about $238 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,502
• Buying pricier low deductibles for comp and collision coverage costs an additional $464 annually
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,252 or more
• The cost with full coverage for a 16-year-old driver for full coverage can be $5,366 each year

Insurance rates for a Lexus IS 250 can also vary considerably based on the trim level of your IS 250, your driving characteristics, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,800 to $2,400 additional per year, depending on your age. Lexus IS 250 insurance for high-risk drivers ranges from 45% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $710 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,140 on average in Michigan, New York, and Louisiana.

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Cheap Lexus IS 250 Insurance

Saving money on insurance for a Lexus IS 250 takes having a good driving record, having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a quick review of the ideas that were covered in the charts and tables above.

• Drivers age 20 and younger are charged the highest rates, as much as $447 per month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,750 more every year to buy Lexus IS 250 insurance
• Increasing deductibles could save up to $700 each year
• You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date