Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive insurance costs an estimated $362 a year, collision insurance costs $688, and liability coverage costs around $316. A liability-only policy costs as low as $376 a year, and high-risk insurance costs $3,252 or more. Teenage drivers pay the most at up to $5,366 a year.

Average premium for full coverage: $1,502

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Lexus IS 250 insurance rates for other coverage scenarios.

• The best discount rate is $844
• Using higher $1,000 deductibles will save approximately $1,264 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,502
• Using low $100 deductibles for physical damage coverage will cost an additional $464 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,252
• An auto insurance policy that insures a teenage driver can cost as much as $5,366 or more

Auto insurance prices for a Lexus IS 250 also have a wide range based on the trim level of your IS 250, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,800 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 45% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.

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

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 Cheap Lexus IS 250 Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices every year by getting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a brief summary of the coverage data presented in the illustrations above.

• It is possible to save approximately $190 per year just by quoting early and online
• Increasing policy deductibles can save approximately $700 each year
• Teenagers are the costliest to insure, with premiums being up to $447 per month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations may have to pay on average $1,750 more annually for car insurance