Lexus IS 250 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage insurance. Comprehensive costs around $362, collision costs $688, and liability costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,252. Teen drivers pay the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Price estimates for individual coverage:

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

The ranges above illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $844
• Using higher $1,000 deductibles will save about $238 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,502
• Choosing pricier low deductibles for physical damage coverage will cost $1,966
• Drivers with multiple violations and an at-fault accident could pay at least $3,252 or more
• The price with full coverage for a teen driver for full coverage can be $5,366 or more

Auto insurance prices for a Lexus IS 250 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,800 to $2,400 in extra premium each year, depending on your age. Lexus IS 250 insurance for high-risk drivers can be as much as 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $710 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

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 Buy the Right Lexus IS 250 Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the ideas that were touched on in this article.

• Teens are expensive to insure, as much as $447 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,750 more every year for IS 250 insurance
• Increasing physical damage deductibles could save up to $700 each year
• It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date