Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive costs on average $362, collision costs $688, and liability costs around $316. Liability-only insurance costs as low as $376 a year, with high-risk driver insurance costing around $3,252. Teens pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $844
• Using higher $1,000 deductibles will save around $238 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,502
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,966
• Drivers with serious driving violations could pay upwards of $3,252 or more
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $5,366 or more

Insurance prices for a Lexus IS 250 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

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 $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,030 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,400 additional annually, depending on your age. High-risk driver insurance can be as much as 45% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially 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 More Affordable Lexus IS 250 Insurance

Finding better rates on car insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the concepts that were covered in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations pay an average of $1,750 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher prices, with premiums being up to $447 per month including comprehensive and collision insurance
• It is possible to save as much as $190 per year simply by shopping early and online
• Increasing policy deductibles can save around $700 each year
• It is possible to save as much as $190 per year simply by shopping early and online