Lexus IS 250 Insurance Rates

The average auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage insurance. Comprehensive costs an estimated $362 each year, collision costs $688, and liability insurance is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing around $3,252. Teenage drivers cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why all drivers should compare rates quotes 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.

Additional Rate Information

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

• The best discount rate is $844
• Raising to $1,000 deductibles will save approximately $238 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,502
• Using low deductibles will cost $1,966
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,252 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,366

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

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $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 probably paying $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $710 each year, whereas increasing liability limits will increase premiums. Switching 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 also has a big influence on Lexus IS 250 insurance rates. A middle-age driver might find rates as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, 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 the Right Lexus IS 250 Insurance

Finding cheaper rates on Lexus IS 250 insurance consists of being a low-risk driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the material that was covered in the above illustrations.

• Drivers who want more liability coverage will pay an extra $350 annually to raise from a 30/60 limit to higher 250/500 limits
• Teen drivers are the costliest to insure, possibly costing $447 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,750 more annually to insure their IS 250
• Increasing comprehensive and collision deductibles could save up to $700 each year