Lexus IS 250 Insurance Rates

Average auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage. Comprehensive insurance costs around $362, collision costs $688, and liability insurance costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $3,252 or more. Teens receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates for individual coverage type:

Prices include $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

These examples show why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay about $238 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,502
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $464 a year
• High risk drivers with serious driving violations could pay at least $3,252 or more
• The cost with full coverage for a teen driver for full coverage can be $5,366 a year

Auto insurance rates for a Lexus IS 250 can also vary considerably based on the trim level of your IS 250, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,800 to $2,400 in extra premium per year, depending on your age. Lexus IS 250 insurance for high-risk drivers can cost anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $710 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,140 on average in Michigan, Louisiana, and New York.

With so much variability in rates, the only way to know your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different between companies.

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 Buy the Right Lexus IS 250 Insurance

Saving money on Lexus IS 250 insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a quick rundown of the data covered in the above illustrations.

• Drivers who may need increased levels of liability coverage will pay approximately $350 each year to go from a minimum limit to higher 250/500 limits
• Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $700 each year
• Drivers age 20 and younger are expensive to insure, costing as high as $447 per month if full coverage is included