Lexus IS 250 Insurance Rates

Estimated insurance prices for a Lexus IS 250 are $1,502 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $362, collision costs $688, and liability coverage costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance costing $3,252 or more. Teenage drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay $238 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,502
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $464 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,252 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $5,366 a year

Auto insurance prices for a Lexus IS 250 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your IS 250.

Using high physical damage deductibles could save up to $710 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,400 in extra premium annually, depending on your age. Lexus IS 250 insurance for high-risk drivers can cost around 45% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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.

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 Shop for the Cheapest Lexus IS 250 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a recap of the concepts that were presented in the illustrations above.

• Drivers that have major violations or accidents may have to pay on average $1,750 more per year for auto insurance
• Teenage drivers have the highest car insurance prices, with premiums being up to $447 per month if comprehensive and collision insurance is included
• It is possible to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $700 each year
• It is possible to save around $190 per year simply by quoting online well ahead of the renewal date