Lexus IS 250 Insurance Rates

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

Average premium for full coverage: $1,502

Price estimates broken down by individual coverage:

Prices include $500 deductibles, liability coverage up to 30/60, and includes medical and 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

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus IS 250 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $238 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,502
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,966
• Higher-risk drivers with serious driving violations could pay up to $3,252 or more
• The price that insures a teen driver for full coverage can cost as much as $5,366 a year

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

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

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,030 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could save up to $710 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company calculates prices differently, so rate quotes may be quite different.

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 the Right Lexus IS 250 Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following is a quick rundown of the information raised in the charts and tables above.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Teens have the highest car insurance prices, as much as $447 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $700 each year
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,750 more annually for IS 250 insurance
• Policyholders who want higher liability limits will pay approximately $350 annually to go from a low limit to the 250/500 level