Lexus IS 250 Insurance Rates

Estimated auto insurance rates for a Lexus IS 250 are $1,502 annually with full coverage. Comprehensive costs on average $362 each year, collision costs $688, and liability insurance costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance costing around $3,252. Teenage drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Prices include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay around $238 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,502
• Using low deductibles for comprehensive and collision insurance will cost $1,966
• High risk drivers who are prone to accidents and violations could pay upwards of $3,252 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,366 a year

Auto insurance prices for a Lexus IS 250 also have a wide range based on the model of your IS 250, your driving record, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $710 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,030 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 the Right Lexus IS 250 Insurance

Finding better rates on Lexus IS 250 insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct companies, and also from local independent and exclusive agents.

The next list is a quick rundown of the data that was covered in the above illustrations.

• You may be able to save as much as $190 per year simply by quoting online in advance
• Drivers who require increased levels of liability coverage will pay an extra $350 every year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 20 and younger are charged the highest prices, possibly costing $447 per month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,750 more each year to buy Lexus IS 250 insurance