Lexus IS 250 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 27, 2024
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Estimated insurance prices for a Lexus IS 250 are $1,502 every 12 months with full coverage. Comprehensive insurance costs approximately $362 each year, collision insurance costs $688, and liability costs around $316. Liability-only insurance costs as low as $376 a year, and high-risk driver insurance costs $3,252 or more. Teen drivers pay the most at up to $5,366 a year.
Average premium for full coverage: $1,502
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and IS 250 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus IS 250 range from the cheapest price of $376 for minimum levels of liability insurance to a high rate of $3,252 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details average Lexus IS 250 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $844
- Using higher $1,000 deductibles will save $238 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,502
- Choosing low deductibles for physical damage coverage costs an extra $464 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,252
- An auto insurance policy to insure a 16-year-old driver can cost $5,366 or more
Insurance prices for a Lexus IS 250 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your IS 250.
Choosing high deductibles could cut prices by as much as $710 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers can be from 45% to 134% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,030 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,358 | -$144 | -9.6% |
| Alaska | $1,152 | -$350 | -23.3% |
| Arizona | $1,244 | -$258 | -17.2% |
| Arkansas | $1,502 | -$0 | 0.0% |
| California | $1,712 | $210 | 14.0% |
| Colorado | $1,432 | -$70 | -4.7% |
| Connecticut | $1,542 | $40 | 2.7% |
| Delaware | $1,698 | $196 | 13.0% |
| Florida | $1,878 | $376 | 25.0% |
| Georgia | $1,386 | -$116 | -7.7% |
| Hawaii | $1,080 | -$422 | -28.1% |
| Idaho | $1,018 | -$484 | -32.2% |
| Illinois | $1,118 | -$384 | -25.6% |
| Indiana | $1,132 | -$370 | -24.6% |
| Iowa | $1,012 | -$490 | -32.6% |
| Kansas | $1,424 | -$78 | -5.2% |
| Kentucky | $2,048 | $546 | 36.4% |
| Louisiana | $2,222 | $720 | 47.9% |
| Maine | $928 | -$574 | -38.2% |
| Maryland | $1,242 | -$260 | -17.3% |
| Massachusetts | $1,198 | -$304 | -20.2% |
| Michigan | $2,608 | $1,106 | 73.6% |
| Minnesota | $1,258 | -$244 | -16.2% |
| Mississippi | $1,800 | $298 | 19.8% |
| Missouri | $1,332 | -$170 | -11.3% |
| Montana | $1,612 | $110 | 7.3% |
| Nebraska | $1,184 | -$318 | -21.2% |
| Nevada | $1,800 | $298 | 19.8% |
| New Hampshire | $1,084 | -$418 | -27.8% |
| New Jersey | $1,680 | $178 | 11.9% |
| New Mexico | $1,328 | -$174 | -11.6% |
| New York | $1,582 | $80 | 5.3% |
| North Carolina | $864 | -$638 | -42.5% |
| North Dakota | $1,230 | -$272 | -18.1% |
| Ohio | $1,034 | -$468 | -31.2% |
| Oklahoma | $1,540 | $38 | 2.5% |
| Oregon | $1,376 | -$126 | -8.4% |
| Pennsylvania | $1,432 | -$70 | -4.7% |
| Rhode Island | $2,002 | $500 | 33.3% |
| South Carolina | $1,360 | -$142 | -9.5% |
| South Dakota | $1,268 | -$234 | -15.6% |
| Tennessee | $1,314 | -$188 | -12.5% |
| Texas | $1,810 | $308 | 20.5% |
| Utah | $1,110 | -$392 | -26.1% |
| Vermont | $1,026 | -$476 | -31.7% |
| Virginia | $900 | -$602 | -40.1% |
| Washington | $1,158 | -$344 | -22.9% |
| West Virginia | $1,376 | -$126 | -8.4% |
| Wisconsin | $1,038 | -$464 | -30.9% |
| Wyoming | $1,336 | -$166 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 250 4-Dr Sedan | $1,456 | $121 |
| Lexus IS 250 AWD 4-Dr | $1,502 | $125 |
| Lexus IS 250 C 2-Dr Convertible | $1,594 | $133 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus IS 250 | $174 | $234 | $398 | $942 |
Rates are averaged for all Lexus IS 250 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Lexus IS 250 Insurance
Finding better rates on insurance for a Lexus IS 250 requires avoiding accidents and claims, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The points below are a summary of the material that was presented in the illustrations above.
- Insureds who purchase increased liability limits will pay about $350 every year to increase from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 are the costliest to insure, possibly costing $447 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,750 more per year to insure a Lexus IS 250
- Increasing policy deductibles could save as much as $700 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,366 |
| 20 | $3,468 |
| 30 | $1,586 |
| 40 | $1,502 |
| 50 | $1,368 |
| 60 | $1,344 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,966 |
| $250 | $1,750 |
| $500 | $1,502 |
| $1,000 | $1,264 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,502 |
| 50/100 | $1,668 |
| 100/300 | $1,761 |
| 250/500 | $2,003 |
| 100 CSL | $1,706 |
| 300 CSL | $1,910 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,710 |
| 20 | $5,516 |
| 30 | $3,344 |
| 40 | $3,252 |
| 50 | $3,098 |
| 60 | $3,070 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $82 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $75 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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