Lexus IS 250 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...
Licensed Insurance Agent
UPDATED: Apr 27, 2024
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U.S. average insurance prices for a Lexus IS 250 are $1,502 every 12 months including full coverage. Comprehensive insurance costs on average $362 each year, collision costs $688, and liability costs $316. A policy with just liability insurance costs as little as $376 a year, with coverage for high-risk drivers costing $3,252 or more. 16-year-old drivers pay the highest rates at $5,366 a year or more.
Average premium for full coverage: $1,502
Price estimates by individual coverage:
These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and IS 250 models.
Price Range from Low to High
For an average driver, Lexus IS 250 insurance prices go from the cheapest price of $376 for basic liability insurance to a high rate of $3,252 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $844
- Drivers who choose higher $1,000 deductibles will pay around $238 every year
- The average price for the average middle-age driver with $500 deductibles is $1,502
- Buying low deductibles for comprehensive and collision insurance costs an extra $464 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,252 or more
- The price to insure a 16-year-old driver may cost $5,366 a year
Insurance prices for a Lexus IS 250 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your IS 250.
Opting for high physical damage deductibles could save up to $710 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost from 45% to 134% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,358 | -$144 | -9.6% |
| Alaska | $1,152 | -$350 | -23.3% |
| Arizona | $1,244 | -$258 | -17.2% |
| Arkansas | $1,502 | -$0 | 0.0% |
| California | $1,712 | $210 | 14.0% |
| Colorado | $1,432 | -$70 | -4.7% |
| Connecticut | $1,542 | $40 | 2.7% |
| Delaware | $1,698 | $196 | 13.0% |
| Florida | $1,878 | $376 | 25.0% |
| Georgia | $1,386 | -$116 | -7.7% |
| Hawaii | $1,080 | -$422 | -28.1% |
| Idaho | $1,018 | -$484 | -32.2% |
| Illinois | $1,118 | -$384 | -25.6% |
| Indiana | $1,132 | -$370 | -24.6% |
| Iowa | $1,012 | -$490 | -32.6% |
| Kansas | $1,424 | -$78 | -5.2% |
| Kentucky | $2,048 | $546 | 36.4% |
| Louisiana | $2,222 | $720 | 47.9% |
| Maine | $928 | -$574 | -38.2% |
| Maryland | $1,242 | -$260 | -17.3% |
| Massachusetts | $1,198 | -$304 | -20.2% |
| Michigan | $2,608 | $1,106 | 73.6% |
| Minnesota | $1,258 | -$244 | -16.2% |
| Mississippi | $1,800 | $298 | 19.8% |
| Missouri | $1,332 | -$170 | -11.3% |
| Montana | $1,612 | $110 | 7.3% |
| Nebraska | $1,184 | -$318 | -21.2% |
| Nevada | $1,800 | $298 | 19.8% |
| New Hampshire | $1,084 | -$418 | -27.8% |
| New Jersey | $1,680 | $178 | 11.9% |
| New Mexico | $1,328 | -$174 | -11.6% |
| New York | $1,582 | $80 | 5.3% |
| North Carolina | $864 | -$638 | -42.5% |
| North Dakota | $1,230 | -$272 | -18.1% |
| Ohio | $1,034 | -$468 | -31.2% |
| Oklahoma | $1,540 | $38 | 2.5% |
| Oregon | $1,376 | -$126 | -8.4% |
| Pennsylvania | $1,432 | -$70 | -4.7% |
| Rhode Island | $2,002 | $500 | 33.3% |
| South Carolina | $1,360 | -$142 | -9.5% |
| South Dakota | $1,268 | -$234 | -15.6% |
| Tennessee | $1,314 | -$188 | -12.5% |
| Texas | $1,810 | $308 | 20.5% |
| Utah | $1,110 | -$392 | -26.1% |
| Vermont | $1,026 | -$476 | -31.7% |
| Virginia | $900 | -$602 | -40.1% |
| Washington | $1,158 | -$344 | -22.9% |
| West Virginia | $1,376 | -$126 | -8.4% |
| Wisconsin | $1,038 | -$464 | -30.9% |
| Wyoming | $1,336 | -$166 | -11.1% |
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 250 4-Dr Sedan | $1,456 | $121 |
| Lexus IS 250 AWD 4-Dr | $1,502 | $125 |
| Lexus IS 250 C 2-Dr Convertible | $1,594 | $133 |
Rates assume 2026 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus IS 250 | $174 | $234 | $398 | $942 |
Rates are averaged for all Lexus IS 250 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheap Lexus IS 250 Insurance
Getting lower rates on insurance for a Lexus IS 250 not only requires having a good driving record, but also having good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief summary of the data that was covered in the above illustrations.
- You may be able to save as much as $190 per year simply by quoting online in advance
- Insureds who require increased levels of liability coverage will pay around $350 per year to go from a low limit to a 250/500 level
- Drivers age 20 and younger pay the highest prices, possibly costing $447 a month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,750 more each year to buy Lexus IS 250 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,366 |
| 20 | $3,468 |
| 30 | $1,586 |
| 40 | $1,502 |
| 50 | $1,368 |
| 60 | $1,344 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,966 |
| $250 | $1,750 |
| $500 | $1,502 |
| $1,000 | $1,264 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,502 |
| 50/100 | $1,668 |
| 100/300 | $1,761 |
| 250/500 | $2,003 |
| 100 CSL | $1,706 |
| 300 CSL | $1,910 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,710 |
| 20 | $5,516 |
| 30 | $3,344 |
| 40 | $3,252 |
| 50 | $3,098 |
| 60 | $3,070 |
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 | $82 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $75 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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