Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year including full coverage. Comprehensive costs on average $362, collision costs $688, and liability coverage costs $316. A liability-only policy costs as little as $376 a year, with high-risk 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 by type of coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

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

These rate differences highlight why everyone should compare rates based on a specific location and risk profile, rather than using averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay around $238 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,502
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,966
• High-risk insureds with serious driving violations could pay upwards of $3,252 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,366 a year

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

A more mature driver with a good driving record and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,140 on average in Michigan, New York, and Louisiana.

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

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 in extra premium annually, depending on your age. Lexus IS 250 insurance for high-risk drivers can cost around 45% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company calculates prices differently, and quoted 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 Cheaper Lexus IS 250 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the concepts that were covered in the above illustrations.

• Drivers with multiple at-fault accidents may pay on average $1,750 more each year than a low-risk driver
• Youthful drivers are charged the highest prices, with the cost nearing $447 per month if they have full coverage
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $700 each year
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date