Lexus IS 250 Insurance Rates

Average insurance prices for a Lexus IS 250 are $1,502 every 12 months with full coverage. Comprehensive insurance costs around $362 a year, collision costs $688, and liability is estimated at $316. A policy with just liability insurance costs approximately $376 a year, with coverage for high-risk drivers 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 for individual coverage type:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and IS 250 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below details estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $844
• Choosing higher $1,000 deductibles can save about $1,264 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,502
• Buying low $100 deductibles for comp and collision coverage costs an extra $464 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $3,252 or more
• The cost to insure a teen driver can be $5,366 each year

Insurance rates for a Lexus IS 250 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $710 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 134% more than the average rate. View High Risk Driver Rates

Where you 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 $1,080 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

With so much variability in rates, the best way to find out your exact price is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates can be significantly 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 Cheaper Lexus IS 250 Insurance

Saving money on car insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the information presented in the illustrations above.

• You may be able to save up to $190 per year simply by quoting early and online
• Teen drivers are charged the highest rates, with premiums as much as $447 per month if full coverage is included
• Increasing deductibles could save as much as $700 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,750 more every year to insure their IS 250
• Policyholders who may need more liability coverage will pay around $350 every year to raise limits from a minimum limit to a 250/500 level