Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why everyone should get quotes based on a specific location, rather than relying on price averages.

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

More Rate Details

The chart below details estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save around $238 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,502
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,966
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,252 or more
• The cost that insures a teen driver for full coverage may cost $5,366 each year

Auto insurance rates for a Lexus IS 250 can also vary considerably based on the model of your IS 250, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 in extra premium per year, depending on your age. Lexus IS 250 insurance for high-risk drivers ranges anywhere from 45% to 134% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus IS 250 insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,030 on average in Florida, Michigan, and New York.

Choosing high deductibles can save as much as $710 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates can be significantly 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 Cheap Lexus IS 250 Insurance

Saving money on Lexus IS 250 insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Shop around every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the ideas that were raised in the charts and tables above.

• Teenagers are charged the highest rates, with premiums as much as $447 per month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations pay on average $1,750 more each year for car insurance
• Increasing deductibles can save approximately $700 each year
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date