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...
Licensed Insurance Agent
UPDATED: Apr 27, 2024
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Average insurance prices for a Lexus IS 250 are $1,502 every 12 months with full coverage. Comprehensive insurance costs around $362, collision insurance costs $688, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, and high-risk insurance costs $3,252 or more. Teenage drivers receive the highest rates at up to $5,366 a year.
Average premium for full coverage: $1,502
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different IS 250 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $376 for your basic liability-only policy to a much higher rate of $3,252 for a driver who has had serious violations or accidents.
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 densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using average rates.
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 details average Lexus IS 250 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $844
- Choosing higher $1,000 deductibles can save about $238 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,502
- Using more expensive low deductibles for comp and collision coverage costs an extra $464 every year
- Unlucky drivers who are prone to accidents and violations could pay at least $3,252
- The cost to insure a teen driver with full coverage 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.
Using high physical damage deductibles can save as much as $710 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect 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 extra per year, depending on your age. High-risk driver insurance ranges as much as 45% to 134% more than a normal policy. 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 be forced to pay as much as $2,030 on average in Florida, Michigan, 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% |
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 Shop for Low Cost Lexus IS 250 Insurance
Saving money on car insurance takes having a decent driving record, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a review of the ideas that were covered in the above illustrations.
- 16 to 18-year-old drivers pay higher rates, with premiums as much as $447 per month if they have full coverage
- Higher risk drivers who have several accidents or serious violations pay on average $1,750 more every year than a driver with a clean driving record
- Increasing deductibles could save as much as $700 each year
- You may be able to save up to $190 per year just by shopping early and online
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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