Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive insurance costs on average $362 each year, collision costs $688, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, with high-risk insurance 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 by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

The examples above illustrate why all drivers should get quotes based on a specific location, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save around $238 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,502
• Using low deductibles for comp and collision coverage will cost an additional $464 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,252 or more
• Policy cost that insures a 16-year-old driver may cost $5,366 each year

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 45% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,030 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can save as much as $710 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Find Cheaper Lexus IS 250 Insurance

Finding cheaper rates on insurance for a Lexus IS 250 takes being safe and accident-free, having a positive credit history, being claim-free, and maximizing policy discounts. Compare prices every year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the coverage data touched on in the above illustrations.

• It is possible to save as much as $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Youthful drivers are expensive to insure, possibly costing $447 each month if full coverage is purchased
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,750 more each year than a low-risk driver