Lexus IS 250 Insurance Rates

U.S. average insurance prices for a Lexus IS 250 are $1,502 every 12 months with full coverage. Comprehensive insurance costs an estimated $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. Teenage drivers pay the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Price estimates broken down by individual coverage:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using average rates.

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

More Rate Information

The chart below details estimated Lexus IS 250 insurance rates for other coverage scenarios.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save approximately $238 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,502
• Using pricier low deductibles for comp and collision coverage costs an extra $464 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,252 or more
• The price to insure a teen driver for full coverage can cost as much as $5,366 each year

Insurance prices for a Lexus IS 250 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $710 every year, whereas buying more liability protection will increase premiums. Moving 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

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,800 to $2,400 extra each year, depending on your age. Lexus IS 250 insurance for high-risk drivers ranges as much as 45% to 134% more than a normal policy. View High Risk Driver Rates

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

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 Shop for the Best Lexus IS 250 Insurance

Getting lower rates on car insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the information touched on in this article.

• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger are charged the highest prices, costing up to $447 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $700 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,750 more annually to buy Lexus IS 250 insurance
• Policyholders who want increased levels of liability coverage will pay an extra $350 every year to raise limits from a low limit to a 250/500 level