Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas.

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

The ranges above illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $844
• Raising to $1,000 deductibles will save $238 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,502
• Choosing pricier low deductibles will cost an extra $464 annually
• Drivers with multiple violations and an at-fault accident could pay around $3,252 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost $5,366

Auto insurance prices for a Lexus IS 250 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus IS 250 insurance prices. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, and Michigan.

Choosing high deductibles can reduce prices by up to $710 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 in extra premium each year, depending on your age. Lexus IS 250 insurance for high-risk drivers is expensive and can cost from 45% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite 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 Affordable Lexus IS 250 Insurance

Getting lower rates on insurance for a Lexus IS 250 consists of being safe and accident-free, having good credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data covered in the above illustrations.

• Insureds who purchase more liability protection will pay about $350 annually to raise from a low limit to 250/500 limits
• It is possible to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $700 each year
• Youthful drivers have the highest car insurance prices, as much as $447 a month if they have full coverage