Lexus IS 250 Insurance Rates

Average auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage. Comprehensive insurance costs on average $362, collision insurance costs $688, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, and high-risk coverage costs $3,252 or more. Teens receive the highest rates at up to $5,366 a year.

Average premium for full coverage: $1,502

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different IS 250 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

These examples show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below shows average Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $844
• Choosing higher $1,000 deductibles can save around $238 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,502
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $464 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,252
• The cost with full coverage for a 16-year-old driver with full coverage may cost $5,366 each year

Car insurance rates for a Lexus IS 250 can also vary considerably based on the trim level of your IS 250, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance ranges from 45% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $710 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,140 on average in Michigan, Louisiana, and New York.

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 Affordable Lexus IS 250 Insurance

Saving money on insurance for a Lexus IS 250 takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a brief review of the information raised in the charts and tables above.

• Drivers can save as much as $190 per year just by shopping early and online
• Drivers under the age of 20 are expensive to insure, costing as high as $447 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $700 each year
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,750 more each year to insure a Lexus IS 250
• Insureds who require increased liability limits will pay approximately $350 each year to raise limits from a minimum limit to higher 250/500 limits