Lexus IS 250 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 27, 2024
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Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive costs around $362 a year, collision costs $688, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing around $3,252. Teens pay the most at $5,366 a year or more.
Average premium for full coverage: $1,502
Premium estimates for type of coverage:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and IS 250 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus IS 250 go from as low as $376 for your basic liability-only policy to a high of $3,252 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance rates.
These rate differences show why it is important to get quotes for a specific zip code and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $844
- Choosing higher $1,000 deductibles can save about $1,264 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,502
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,966
- Unlucky drivers with serious driving violations could pay at least $3,252 or more
- An auto insurance policy for full coverage for a teen driver can be $5,366 each year
Insurance prices for a Lexus IS 250 also have a wide range based on your driving characteristics, the trim level of your IS 250, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,140 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,358 | -$144 | -9.6% |
| Alaska | $1,152 | -$350 | -23.3% |
| Arizona | $1,244 | -$258 | -17.2% |
| Arkansas | $1,502 | -$0 | 0.0% |
| California | $1,712 | $210 | 14.0% |
| Colorado | $1,432 | -$70 | -4.7% |
| Connecticut | $1,542 | $40 | 2.7% |
| Delaware | $1,698 | $196 | 13.0% |
| Florida | $1,878 | $376 | 25.0% |
| Georgia | $1,386 | -$116 | -7.7% |
| Hawaii | $1,080 | -$422 | -28.1% |
| Idaho | $1,018 | -$484 | -32.2% |
| Illinois | $1,118 | -$384 | -25.6% |
| Indiana | $1,132 | -$370 | -24.6% |
| Iowa | $1,012 | -$490 | -32.6% |
| Kansas | $1,424 | -$78 | -5.2% |
| Kentucky | $2,048 | $546 | 36.4% |
| Louisiana | $2,222 | $720 | 47.9% |
| Maine | $928 | -$574 | -38.2% |
| Maryland | $1,242 | -$260 | -17.3% |
| Massachusetts | $1,198 | -$304 | -20.2% |
| Michigan | $2,608 | $1,106 | 73.6% |
| Minnesota | $1,258 | -$244 | -16.2% |
| Mississippi | $1,800 | $298 | 19.8% |
| Missouri | $1,332 | -$170 | -11.3% |
| Montana | $1,612 | $110 | 7.3% |
| Nebraska | $1,184 | -$318 | -21.2% |
| Nevada | $1,800 | $298 | 19.8% |
| New Hampshire | $1,084 | -$418 | -27.8% |
| New Jersey | $1,680 | $178 | 11.9% |
| New Mexico | $1,328 | -$174 | -11.6% |
| New York | $1,582 | $80 | 5.3% |
| North Carolina | $864 | -$638 | -42.5% |
| North Dakota | $1,230 | -$272 | -18.1% |
| Ohio | $1,034 | -$468 | -31.2% |
| Oklahoma | $1,540 | $38 | 2.5% |
| Oregon | $1,376 | -$126 | -8.4% |
| Pennsylvania | $1,432 | -$70 | -4.7% |
| Rhode Island | $2,002 | $500 | 33.3% |
| South Carolina | $1,360 | -$142 | -9.5% |
| South Dakota | $1,268 | -$234 | -15.6% |
| Tennessee | $1,314 | -$188 | -12.5% |
| Texas | $1,810 | $308 | 20.5% |
| Utah | $1,110 | -$392 | -26.1% |
| Vermont | $1,026 | -$476 | -31.7% |
| Virginia | $900 | -$602 | -40.1% |
| Washington | $1,158 | -$344 | -22.9% |
| West Virginia | $1,376 | -$126 | -8.4% |
| Wisconsin | $1,038 | -$464 | -30.9% |
| Wyoming | $1,336 | -$166 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $710 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 134% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, so the prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 250 4-Dr Sedan | $1,456 | $121 |
| Lexus IS 250 AWD 4-Dr | $1,502 | $125 |
| Lexus IS 250 C 2-Dr Convertible | $1,594 | $133 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus IS 250 | $174 | $234 | $398 | $942 |
Rates are averaged for all Lexus IS 250 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Lexus IS 250 Insurance
Finding better rates on car insurance takes having a good driving record, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a review of the coverage data presented in the illustrations above.
- Drivers can save up to $190 per year simply by quoting early and online
- Increasing policy deductibles can save around $700 each year
- Drivers age 20 and younger pay higher prices, as much as $447 per month for full coverage
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,750 more every year to buy Lexus IS 250 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,366 |
| 20 | $3,468 |
| 30 | $1,586 |
| 40 | $1,502 |
| 50 | $1,368 |
| 60 | $1,344 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,966 |
| $250 | $1,750 |
| $500 | $1,502 |
| $1,000 | $1,264 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,502 |
| 50/100 | $1,668 |
| 100/300 | $1,761 |
| 250/500 | $2,003 |
| 100 CSL | $1,706 |
| 300 CSL | $1,910 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,710 |
| 20 | $5,516 |
| 30 | $3,344 |
| 40 | $3,252 |
| 50 | $3,098 |
| 60 | $3,070 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $82 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $75 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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