Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive insurance costs around $362, collision costs $688, and liability coverage is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing $3,252 or more. Teen drivers 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 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save about $238 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,502
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $464 each year
• Drivers with multiple violations and an at-fault accident could pay at least $3,252 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage 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.

An older driver with a clean driving record and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest 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 rates. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or as much as $2,140 on average in Michigan, Louisiana, and New York.

Choosing high deductibles can save as much as $710 a year, while increasing your policy's 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. High-risk driver insurance ranges around 45% to 134% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 Find the Cheapest Lexus IS 250 Insurance

Finding better rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a recap of the information touched on above.

• Drivers can save up to $190 per year simply by shopping early and online
• Teens pay higher prices, as much as $447 per month for full coverage
• Increasing policy deductibles can save around $700 each year
• Drivers that have major violations or accidents may be required to pay an average of $1,750 more every year for IS 250 insurance
• Consumers who may need higher liability limits will pay about $350 each year to raise limits from 30/60 bodily injury limits to 250/500 limits