Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different IS 250 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on averaged prices.

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 cheapest rate after discounts is $844
• Using higher $1,000 deductibles will save about $238 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,502
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,966
• High-risk insureds with serious driving violations could pay at least $3,252 or more
• The price that insures a 16-year-old driver with full coverage can be $5,366 or more

Insurance prices for a Lexus IS 250 are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,800 to $2,400 additional each year, depending on your age. High-risk driver insurance can be from 45% to 134% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see prices 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 cut prices by as much as $710 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each insurance company calculates prices differently, and prices may be quite 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 the Best Cheap Lexus IS 250 Insurance

Getting lower rates on insurance for a Lexus IS 250 requires being a good driver, having a good credit score, being claim-free, and taking advantage of discounts. Compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 are charged the highest prices, possibly costing $447 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,750 more every year than a safer driver
• Increasing physical damage deductibles can save approximately $700 each year
• You may be able to save up to $190 per year simply by shopping early and online