Lexus IS 250 Insurance Rates

The average insurance prices for a Lexus IS 250 are $1,502 every 12 months for full coverage. Comprehensive insurance costs on average $362, collision insurance costs $688, and liability costs around $316. A liability-only policy costs as low as $376 a year, and high-risk insurance costs $3,252 or more. 16-year-old drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The example below illustrates how location helps determine car insurance rates.

The examples above show why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $844
• Using higher $1,000 deductibles will save around $238 a year
• The average price for a good driver age 40 with $500 deductibles is $1,502
• Buying pricier low deductibles for physical damage coverage costs an extra $464 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,252
• Policy cost to insure a 16-year-old driver for full coverage may cost $5,366 or more

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

Opting for high physical damage deductibles could cut rates by as much as $710 annually, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age

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

Your home state has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Idaho, Maine, and Iowa, or 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 Shop for the Cheapest Lexus IS 250 Insurance

Finding cheaper rates on insurance for a Lexus IS 250 requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a recap of the information covered in the charts and tables above.

• Drivers can save as much as $190 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, costing up to $447 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Drivers considered higher risk that have major violations or accidents pay an average of $1,750 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay around $350 each year to increase from a 30/60 limit to a 250/500 level