Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year with full coverage. Comprehensive insurance costs an estimated $362, collision costs $688, and liability is $316. Liability-only coverage costs around $376 a year, with high-risk coverage 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:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas.

The example below illustrates how where you live affects insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $844
• Raising to $1,000 deductibles will save approximately $238 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,502
• Choosing pricier low deductibles will cost an additional $464 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,252 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,366

Insurance rates for a Lexus IS 250 also range considerably based on the model of your IS 250, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,800 to $2,400 additional every year, depending on your age. Lexus IS 250 insurance for high-risk drivers is expensive and can cost as much as 45% to 134% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

Your home state also has a big influence on Lexus IS 250 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,030 on average in New York, Michigan, and Florida.

Choosing high deductibles can reduce rates by up to $710 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 Find the Right Lexus IS 250 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Shop around once a year by requesting quotes from direct companies, and also from insurance agencies where you live.

The list below is a quick rundown of the data that was touched on in the above illustrations.

• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Policyholders who want higher liability limits will pay about $350 every year to raise from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, as much as $447 each month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,750 more annually for car insurance