Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year including full coverage. Comprehensive insurance costs an estimated $362, collision costs $688, and liability costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing $3,252 or more. Teens pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

These rate differences highlight why everyone should compare prices for a targeted area, instead of using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Lexus IS 250 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $844
• Using higher $1,000 deductibles will save approximately $238 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,502
• Selecting pricier low deductibles for physical damage coverage will cost an additional $464 every year
• Drivers with serious driving violations could pay up to $3,252 or more
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,366 or more

Insurance prices for a Lexus IS 250 also have a wide range based on the model of your IS 250, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,800 to $2,400 extra annually, depending on your age. Lexus IS 250 insurance for high-risk drivers can be as much as 45% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see prices as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,140 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially different.

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 Affordable Lexus IS 250 Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the material that was covered in the charts and tables above.

• Policyholders who want increased liability limits will pay approximately $350 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 are charged the highest prices, with the cost nearing $447 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,750 more annually to insure a Lexus IS 250
• Increasing policy deductibles can save approximately $700 each year