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 insurance costs $688, and liability coverage is estimated at $316. A policy with just liability insurance costs approximately $376 a year, and coverage for high-risk drivers costs around $3,252. Teens pay the highest rates at up to $5,366 a year.

Average premium for full coverage: $1,502

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM 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

Living in a larger city has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why everyone should get quotes using their specific location, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $844
• Choosing higher $1,000 deductibles can save $238 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,502
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,966
• Drivers with serious driving violations could pay around $3,252
• The price that insures a teenage driver for full coverage can cost $5,366 each year

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 ranges around 45% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher 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 plays a big part in determining prices for Lexus IS 250 insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,140 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $710 a 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

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

Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates at every policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a review of the data covered above.

• Consumers who purchase additional liability coverage will pay approximately $350 per year to raise limits from a low limit to the 250/500 level
• You may be able to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $700 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $447 a month if full coverage is included