Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Rate estimates for individual coverage type:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why everyone should compare prices for a specific zip code, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $844
• Using higher $1,000 deductibles will save about $238 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,502
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,966
• Drivers with multiple violations and an at-fault accident could pay at least $3,252 or more
• The cost that insures a teen driver for full coverage can be $5,366 or more

Car insurance rates for a Lexus IS 250 can also vary considerably based on the model of your IS 250, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,800 to $2,400 extra per year, depending on your age. Lexus IS 250 insurance for high-risk drivers can be as much as 45% to 134% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

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

Choosing high deductibles could cut rates by as much as $710 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

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 More Affordable Lexus IS 250 Insurance

Saving money on car insurance requires having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a summary of the concepts that were raised in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,750 more every year to buy Lexus IS 250 insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $447 per month if full coverage is purchased
• It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $700 each year
• It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date