Lexus IS 250 Insurance Rates

U.S. average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive insurance costs an estimated $362 a year, collision insurance costs $688, and liability coverage costs around $316. Buying just liability costs as low as $376 a year, and insurance for high-risk drivers costs $3,252 or more. Teen drivers pay the highest rates at up to $5,366 a year.

Average premium for full coverage: $1,502

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and IS 250 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $844
• Using higher $1,000 deductibles will save approximately $1,264 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,502
• Choosing low $100 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 up to $3,252
• The price that insures a teenage driver can cost as much as $5,366 or more

Insurance prices for a Lexus IS 250 are also quite variable based on the trim level of your IS 250, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,800 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be around 45% to 134% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see prices 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 cut prices by as much as $710 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more each year. 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 the Best Lexus IS 250 Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having a good credit score, not filing small claims, and possibly raising deductibles. Shop around at least once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the primary concepts that were presented in the illustrations above.

• It is possible to save approximately $190 per year just by quoting early and online
• Drivers who tend to receive serious violations may have to pay on average $1,750 more annually than a low-risk driver
• Increasing physical damage deductibles can save approximately $700 each year
• Youthful drivers are expensive to insure, as much as $447 a month if comprehensive and collision insurance is included