Lexus IS 250 Insurance Rates

Average auto insurance rates for a Lexus IS 250 are $1,502 annually including full coverage. Comprehensive insurance costs an estimated $362, collision costs $688, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing $3,252 or more. 16-year-old 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:

Rates are based on $500 deductibles, minimum 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

Your location can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how location impacts insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own personal driving habits, instead of using rate averages.

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 full coverage rate is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $238 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,502
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $464 every year
• Higher-risk drivers with multiple tickets or accidents 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 a year

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 may pay as little as $1,400 per year on average for full coverage. Rates are highest 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 cost as much as 45% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $710 every 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 makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or at least $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 and see which company has the best rate. Every company utilizes a different rate formula, 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 the Best Cheap Lexus IS 250 Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a quick review of the material that was touched on above.

• Policyholders who want higher liability limits will pay around $350 per year to go from a minimum limit to higher 250/500 limits
• Teens have the highest car insurance rates, as much as $447 per month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,750 more annually for IS 250 insurance
• Increasing deductibles could save up to $700 each year