Lexus IS 250 Insurance Rates

Estimated insurance prices for a Lexus IS 250 are $1,502 every 12 months including full coverage. Comprehensive costs around $362, collision insurance costs $688, and liability coverage costs $316. Liability-only insurance costs as little as $376 a year, and high-risk driver insurance costs around $3,252. Teens pay the most at up to $5,366 a year.

Average premium for full coverage: $1,502

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. 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

Your location has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why everyone should compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Details

The chart below breaks down average Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay about $238 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,502
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,966
• High-risk insureds with serious driving violations could pay at least $3,252
• An auto insurance policy to insure a teenage driver for full coverage can be $5,366 a year

Insurance prices for a Lexus IS 250 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

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

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

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

Where you choose to live makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,140 on average in Michigan, New York, and Louisiana.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 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 Cheap Lexus IS 250 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the data that was covered in the above illustrations.

• You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
• Consumers who may need more liability protection will pay approximately $350 per year to go from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers are charged the highest prices, with the cost nearing $447 per month if full coverage is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,750 more every year than a low-risk driver