Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all states and IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why it is important to compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay about $1,264 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,502
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $464 every year
• Higher-risk drivers with serious driving violations could pay at least $3,252 or more
• An auto insurance policy to insure a teen driver can be $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 driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $710 every year, while buying higher liability limits will increase prices. Going 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

Older drivers with a good driving record and higher deductibles may pay as little as $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 as much as $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,800 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver 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.

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. Every company calculates prices differently, 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 car insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a recap of the coverage data covered above.

• Drivers can save up to $190 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $700 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $447 per month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may pay on average $1,750 more every year than a driver with a clean driving record