Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive costs an estimated $362 each year, 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 broken down by type of coverage:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location impacts insurance prices.

These rate differences show why all drivers should compare prices for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below shows estimated Lexus IS 250 insurance rates for other coverage scenarios.

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

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

More mature drivers 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 at least $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 $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,140 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 every year, whereas increasing liability limits will increase premiums. Going 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 could be paying $1,800 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers 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 know which insurance company is cheapest is to do a rate comparison 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 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 Low Cost Lexus IS 250 Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Spend time shopping around at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a review of the concepts that were touched on above.

• Higher risk drivers who have several accidents or serious violations pay an average of $1,750 more annually for IS 250 insurance
• Teens are expensive to insure, as much as $447 per month including comprehensive and collision insurance
• Drivers can save approximately $190 per year simply by quoting online in advance
• Increasing policy deductibles can save around $700 each year
• Drivers can save approximately $190 per year simply by quoting online in advance