Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year with full coverage. Comprehensive insurance costs approximately $362, collision costs $688, and liability costs around $316. Liability-only insurance costs as low as $376 a year, with high-risk driver insurance costing $3,252 or more. Teenage drivers cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different IS 250 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $844
• Using higher $1,000 deductibles will save $238 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,502
• Using more expensive low deductibles for physical damage coverage will cost an additional $464 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,252 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,366 or more

Auto insurance rates for a Lexus IS 250 also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can be from 45% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see rates 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.

Using high physical damage deductibles could cut rates by as much as $710 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 the Cheapest Lexus IS 250 Insurance

Finding cheaper rates on insurance for a Lexus IS 250 requires being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every year by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a recap of the coverage data illustrated above.

• You may be able to save around $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Teen drivers have the highest car insurance rates, as much as $447 each month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,750 more per year to insure their IS 250