Lexus IS 250 Insurance Rates

Average auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage insurance. Comprehensive insurance costs an estimated $362, collision costs $688, and liability costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance costing $3,252 or more. Teen drivers receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates 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 $238 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,502
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $464 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,252 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,366 a year

Insurance rates for a Lexus IS 250 can also vary considerably based on the trim level of your IS 250, your risk profile, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,800 to $2,400 extra per year, depending on your age. Lexus IS 250 insurance for high-risk drivers can cost from 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $710 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay 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.

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so the rates can be significantly different between companies.

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 Buy the Right Lexus IS 250 Insurance

Saving money on insurance for a Lexus IS 250 not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a quick rundown of the primary concepts that were covered above.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,750 more annually to insure a Lexus IS 250
• Increasing deductibles could save up to $700 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $447 per month including comprehensive and collision insurance