Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year including full coverage. Comprehensive insurance costs on average $362, collision costs $688, and liability coverage costs around $316. Liability-only insurance costs as low as $376 a year, with high-risk driver insurance costing $3,252 or more. Teen drivers cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $844
• Using higher $1,000 deductibles will save around $238 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,502
• Choosing pricier low deductibles for physical damage coverage will cost an additional $464 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,252 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,366 or more

Auto insurance rates for a Lexus IS 250 also range considerably based on the model of your IS 250, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,800 to $2,400 in extra premium every year, depending on your age. Lexus IS 250 insurance for high-risk drivers can be around 45% to 134% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

Your home state has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see rates as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,140 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could cut rates by as much as $710 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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

Finding cheaper rates on auto insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a review of the information touched on in this article.

• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $447 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Drivers who have several accidents or serious violations could be forced to pay on average $1,750 more each year to buy Lexus IS 250 insurance
• Consumers who require increased levels of liability coverage will pay about $350 per year to increase from a 30/60 limit to the 250/500 level