Lexus IS 250 Insurance Rates

The average auto insurance rates for a Lexus IS 250 are $1,502 annually including full coverage. Comprehensive costs approximately $362 a year, collision insurance costs $688, and liability is estimated at $316. Liability-only insurance costs approximately $376 a year, and high-risk driver insurance costs around $3,252. Teen drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and IS 250 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save $1,264 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,502
• Choosing low $100 deductibles for comp and collision coverage will cost $1,966
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,252
• Policy cost with full coverage for a 16-year-old driver can cost $5,366 each year

Auto insurance rates for a Lexus IS 250 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $710 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,140 on average in Louisiana, New York, and Michigan.

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 Cheap Lexus IS 250 Insurance

Finding cheaper rates on insurance for a Lexus IS 250 takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief summary of the primary concepts that were covered in the above illustrations.

• You may be able to save around $190 per year just by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,750 more per year to insure a Lexus IS 250
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $447 each month if full coverage is included