Lexus IS 250 Insurance Rates

The average insurance prices for a Lexus IS 250 are $1,502 every 12 months with full coverage. Comprehensive insurance costs around $362, collision costs $688, and liability coverage is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage 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 for type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different IS 250 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below details estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save about $238 annually
• The average price for a good driver age 40 using $500 deductibles is $1,502
• Using more expensive low deductibles for comp and collision coverage costs an extra $464 each year
• Drivers who are prone to accidents and violations could pay at least $3,252 or more
• Policy cost to insure a teenage driver with full coverage can be $5,366 each year

Insurance rates for a Lexus IS 250 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $710 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,800 to $2,400 additional every year, depending on your age. High-risk driver insurance ranges around 45% to 134% more than a normal policy. View High Risk Driver Rates

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

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and 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 Shop for Low Cost Lexus IS 250 Insurance

Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every couple of years by getting quotes from direct companies, and also from several local insurance agents.

The following list is a review of the material that was raised in the charts and tables above.

• Consumers who may need an increased level of liability coverage will pay an extra $350 every year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, as much as $447 each month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,750 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $700 each year