Lexus IS 250 Insurance Rates

U.S. average insurance rates for a Lexus IS 250 are $1,502 a year including full coverage. Comprehensive costs approximately $362, collision costs $688, and liability insurance is $316. A policy with just liability insurance costs around $376 a year, with coverage for high-risk drivers costing around $3,252. 16-year-old drivers pay the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all IS 250 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why everyone should compare rates quotes using their specific location, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $844
• Raising to $1,000 deductibles will save $238 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,502
• Buying pricier low deductibles bumps up the cost to $1,966
• Higher-risk drivers with multiple tickets or accidents could pay around $3,252 or more
• The price that insures a teen driver for full coverage can cost $5,366

Insurance prices for a Lexus IS 250 are also quite variable based on the model of your IS 250, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,400 extra each year, depending on your age. Lexus IS 250 insurance for high-risk drivers is expensive and can cost anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus IS 250 insurance rates. A middle-age driver might find prices as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,140 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles can reduce prices by up to $710 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 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 Right Lexus IS 250 Insurance

Getting lower rates on Lexus IS 250 insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a quick rundown of the information covered above.

• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, possibly costing $447 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $700 each year
• High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,750 more per year for car insurance
• Drivers who purchase higher liability limits will pay around $350 per year to raise from a low limit to the 250/500 level