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 costs an estimated $362 a year, collision costs $688, and liability insurance costs around $316. Liability-only insurance costs as low as $376 a year, with high-risk driver insurance costing around $3,252. Teenage drivers pay the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Price estimates broken down by individual coverage:

Estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. 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 significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $844
• Using higher $1,000 deductibles will save approximately $1,264 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,502
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,966
• Drivers who are prone to accidents and violations could pay up to $3,252 or more
• The price for full coverage for a teen driver can cost as much as $5,366 or more

Car insurance prices for a Lexus IS 250 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged 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 be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.

Using high physical damage deductibles could cut prices by as much as $710 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,800 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Low Cost Lexus IS 250 Insurance

Getting lower rates on Lexus IS 250 insurance requires having a good driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a review of the coverage data covered in the above illustrations.

• It is possible to save approximately $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $700 each year
• Drivers age 20 and younger have the highest car insurance prices, as much as $447 a month if full coverage is included
• High-risk drivers who have several accidents or serious violations pay on average $1,750 more annually to buy Lexus IS 250 insurance