Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive costs an estimated $362, collision insurance costs $688, and liability costs $316. A liability-only policy costs as little as $376 a year, and high-risk insurance costs around $3,252. Teen drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates broken down by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different IS 250 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $238 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,502
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,966
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,252
• Policy cost that insures a teen driver with full coverage can cost as much as $5,366 a year

Car insurance rates for a Lexus IS 250 also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost as much as 45% to 134% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

Your home state 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 as much as $2,030 on average in Florida, New York, and Michigan.

Choosing high deductibles could save up to $710 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

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 More Affordable Lexus IS 250 Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having a positive credit history, being claim-free, and possibly higher deductibles. Shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a summary of the data touched on in the above illustrations.

• Policyholders who want increased levels of liability coverage will pay about $350 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save approximately $190 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Drivers age 20 and younger have the highest car insurance rates, possibly costing $447 each month if full coverage is purchased