Lexus IS 250 Insurance Rates

The average auto insurance rates for a Lexus IS 250 are $1,502 annually including full coverage. Comprehensive insurance costs around $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 $3,252 or more. 16-year-old drivers cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates for type of insurance:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $844
• Using higher $1,000 deductibles will save about $238 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,502
• Buying low deductibles for physical damage coverage costs an additional $464 every year
• Drivers with multiple tickets or accidents could pay at least $3,252 or more
• Policy cost with full coverage for a teen driver can be $5,366 or more

Auto insurance rates for a Lexus IS 250 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $710 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see rates as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,140 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates will be varied 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 Cheap Lexus IS 250 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the data that was covered above.

• You may be able to save up to $190 per year simply by quoting online in advance
• Policyholders who may need increased liability limits will pay around $350 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums being up to $447 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,750 more every year to insure a Lexus IS 250