Lexus IS 250 Insurance Rates

Estimated auto insurance rates for a Lexus IS 250 are $1,502 annually including full coverage. Comprehensive costs an estimated $362 a year, collision costs $688, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing around $3,252. Teen drivers 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 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save approximately $1,264 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,502
• Choosing low $100 deductibles for comp and collision coverage will cost $1,966
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,252 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $5,366 each year

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges from 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $710 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,140 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the prices will be substantially 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 Low Cost Lexus IS 250 Insurance

Finding better rates on insurance for a Lexus IS 250 takes being a good driver, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a review of the data that was presented in the illustrations above.

• You may be able to save approximately $190 per year simply by quoting early and online
• Insureds who want an increased level of liability coverage will pay about $350 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $447 per month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,750 more annually than a safer driver