Lexus IS 250 Insurance Rates

Average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive insurance costs on average $362 each year, collision costs $688, and liability insurance costs around $316. A policy with just liability insurance costs as low as $376 a year, with coverage for high-risk drivers costing $3,252 or more. Teenage drivers receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

The chart below illustrates estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The best discount rate is $844
• Using higher $1,000 deductibles will save around $238 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,502
• Using low deductibles for physical damage coverage will cost an extra $464 a year
• Drivers who are prone to accidents and violations could pay upwards of $3,252 or more
• The cost for full coverage for a teen driver may cost $5,366 or more

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you live has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,030 on average in Michigan, New York, and Florida.

Using high physical damage deductibles could cut rates by as much as $710 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates can be significantly 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 Low Cost Lexus IS 250 Insurance

Saving money on Lexus IS 250 insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a review of the material that was presented in the illustrations above.

• Drivers who require increased levels of liability coverage will pay an extra $350 annually to increase from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay higher rates, costing up to $447 per month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations pay an average of $1,750 more each year to buy Lexus IS 250 insurance
• Increasing deductibles can save around $700 each year