Lexus IS 250 Insurance Rates

The average insurance prices for a Lexus IS 250 are $1,502 every 12 months including full coverage. Comprehensive insurance costs an estimated $362 a year, collision costs $688, and liability insurance costs $316. Liability-only insurance costs as little as $376 a year, with high-risk driver insurance costing $3,252 or more. Teen drivers cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down estimated 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 $1,264 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,502
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $464 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,252 or more
• Policy cost to insure a teen driver can cost as much as $5,366 a year

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

Choosing high deductibles could save up to $710 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,800 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 134% more than average. View High Risk Driver Rates

Your home state 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 Vermont, New Hampshire, and Missouri, or as much as $2,140 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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 Cheaper Lexus IS 250 Insurance

Finding cheaper rates on Lexus IS 250 insurance not only requires being safe and accident-free, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a condensed summary of the car insurance concepts touched on above.

• High-risk drivers with multiple at-fault accidents may have to pay on average $1,750 more annually than a low-risk driver
• You may be able to save approximately $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Drivers who want more liability protection will pay about $350 per year to go from a 30/60 limit to a 250/500 level