Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive costs an estimated $362 each year, collision insurance costs $688, and liability coverage costs $316. Buying just liability costs as little as $376 a year, and insurance for high-risk drivers costs around $3,252. Teenage drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $238 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,502
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,966
• High-risk insureds who are prone to accidents and violations could pay up to $3,252
• Policy cost for full coverage for a teenage driver can cost as much as $5,366 a year

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay 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.

Using high physical damage deductibles could save up to $710 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost around 45% to 134% more than a normal policy. View High Risk Driver Rates

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 Cheap Lexus IS 250 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the information covered in the charts and tables above.

• It is possible to save approximately $190 per year just by quoting online in advance
• Teenagers are charged the highest rates, possibly costing $447 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $700 each year
• Drivers that tend to have accidents or serious violations pay on average $1,750 more annually for car insurance
• Consumers who want higher liability limits will pay an extra $350 annually to go from a 30/60 limit to 250/500 limits