Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive costs approximately $362, collision costs $688, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing around $3,252. 16-year-old drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location, instead of using rate averages.

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

Additional Rate Analysis

The chart below shows estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $844
• Choosing higher $1,000 deductibles can save $238 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,502
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,966
• Unlucky drivers with multiple tickets or accidents could pay around $3,252 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $5,366 each year

Insurance prices for a Lexus IS 250 also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance ranges as much as 45% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to 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 $990 a year in states like Iowa, Maine, and Idaho, or at least $2,140 on average in New York, Louisiana, and Michigan.

Opting for high physical damage deductibles can save as much as $710 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Lexus IS 250 Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop at least every other year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The list below is a review of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,750 more per year for car insurance
• Drivers can save around $190 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $700 each year
• Policyholders who purchase higher liability limits will pay around $350 each year to raise limits from 30/60 bodily injury limits to the 250/500 level