Lexus IS 250 Insurance Rates

Average auto insurance rates for a Lexus IS 250 are $1,502 annually including full coverage. Comprehensive costs an estimated $362, collision costs $688, and liability insurance costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,252. Teenage drivers receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

These examples highlight why everyone should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $844
• Using higher $1,000 deductibles will save approximately $238 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,502
• Using pricier low deductibles for physical damage coverage will cost $1,966
• Drivers who are prone to accidents and violations could pay up to $3,252 or more
• The cost with full coverage for a teen driver for full coverage can cost as much as $5,366 or more

Car insurance rates for a Lexus IS 250 can also vary considerably based on the trim level of your IS 250, your driving characteristics, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,400 extra per year, depending on your age. Lexus IS 250 insurance for high-risk drivers can be anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $710 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see rates as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,140 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 More Affordable Lexus IS 250 Insurance

Saving money on Lexus IS 250 insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,750 more annually for auto insurance
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $700 each year
• Drivers who want higher levels of liability will pay an extra $350 per year to increase from a minimum limit to higher 250/500 limits