Lexus IS 250 Insurance Rates

U.S. average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive insurance costs approximately $362 a year, collision costs $688, and liability costs $316. Liability-only insurance costs as little as $376 a year, with high-risk driver insurance 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 by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and IS 250 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance prices.

The ranges above show why it is important to compare rates using their specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay $1,264 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,502
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $464 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,252 or more
• The price that insures a teen driver can cost $5,366 a year

Car insurance prices for a Lexus IS 250 are also quite variable based on the trim level of your IS 250, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,800 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,300 a year. View Rates by Age

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 $990 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,140 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could save up to $710 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes 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 Find the Right Lexus IS 250 Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare prices at least every other year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a quick rundown of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,750 more per year for car insurance
• Drivers can save around $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $700 each year
• Policyholders who purchase higher liability limits will pay an extra $350 each year to go from a low limit to the 250/500 level