Lexus IS 250 Insurance Rates

U.S. 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 insurance costs around $316. A policy with just liability insurance costs as low as $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 by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

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

The ranges above demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Information

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 average rate for the average middle-age driver who chooses $500 deductibles is $1,502
• Using pricier low deductibles for physical damage coverage will cost an extra $464 a year
• Drivers who are prone to accidents and violations could pay around $3,252 or more
• The price for full coverage for a teen driver for full coverage can cost $5,366 or more

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see prices 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 prices by as much as $710 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 extra each year, depending on your age. Lexus IS 250 insurance for high-risk drivers can be anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 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 Affordable Lexus IS 250 Insurance

Getting lower rates on Lexus IS 250 insurance requires being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief review of the data covered in the above illustrations.

• Drivers who purchase more liability protection will pay an extra $350 every year to increase from a low limit to 250/500 limits
• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $700 each year
• Youthful drivers are expensive to insure, costing up to $447 a month for full coverage