Lexus IS 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 9, 2024
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Average insurance rates for a Lexus IS 300 are $1,444 a year with full coverage. Comprehensive costs approximately $290, collision costs $540, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing around $3,138. Teenage drivers receive the highest rates at $5,454 a year or more.
Average premium for full coverage: $1,444
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all IS 300 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $508 for minimum levels of liability insurance to the much higher price of $3,138 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why everyone should compare prices using their specific location and risk profile, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details estimated Lexus IS 300 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $827
- Using higher $1,000 deductibles will save $188 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,444
- Using pricier low deductibles for physical damage coverage will increase the cost to $1,812
- Drivers who are prone to accidents and violations could pay around $3,138 or more
- The cost for full coverage for a teen driver for full coverage can cost $5,454 or more
Insurance rates for a Lexus IS 300 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age
Where you live has a huge impact on Lexus IS 300 insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,950 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,306 | -$138 | -9.6% |
Alaska | $1,108 | -$336 | -23.3% |
Arizona | $1,198 | -$246 | -17.0% |
Arkansas | $1,444 | -$0 | 0.0% |
California | $1,646 | $202 | 14.0% |
Colorado | $1,382 | -$62 | -4.3% |
Connecticut | $1,486 | $42 | 2.9% |
Delaware | $1,636 | $192 | 13.3% |
Florida | $1,808 | $364 | 25.2% |
Georgia | $1,334 | -$110 | -7.6% |
Hawaii | $1,038 | -$406 | -28.1% |
Idaho | $976 | -$468 | -32.4% |
Illinois | $1,076 | -$368 | -25.5% |
Indiana | $1,088 | -$356 | -24.7% |
Iowa | $974 | -$470 | -32.5% |
Kansas | $1,374 | -$70 | -4.8% |
Kentucky | $1,972 | $528 | 36.6% |
Louisiana | $2,138 | $694 | 48.1% |
Maine | $894 | -$550 | -38.1% |
Maryland | $1,192 | -$252 | -17.5% |
Massachusetts | $1,156 | -$288 | -19.9% |
Michigan | $2,510 | $1,066 | 73.8% |
Minnesota | $1,208 | -$236 | -16.3% |
Mississippi | $1,732 | $288 | 19.9% |
Missouri | $1,282 | -$162 | -11.2% |
Montana | $1,552 | $108 | 7.5% |
Nebraska | $1,138 | -$306 | -21.2% |
Nevada | $1,732 | $288 | 19.9% |
New Hampshire | $1,042 | -$402 | -27.8% |
New Jersey | $1,614 | $170 | 11.8% |
New Mexico | $1,280 | -$164 | -11.4% |
New York | $1,522 | $78 | 5.4% |
North Carolina | $834 | -$610 | -42.2% |
North Dakota | $1,182 | -$262 | -18.1% |
Ohio | $996 | -$448 | -31.0% |
Oklahoma | $1,484 | $40 | 2.8% |
Oregon | $1,324 | -$120 | -8.3% |
Pennsylvania | $1,378 | -$66 | -4.6% |
Rhode Island | $1,928 | $484 | 33.5% |
South Carolina | $1,308 | -$136 | -9.4% |
South Dakota | $1,218 | -$226 | -15.7% |
Tennessee | $1,264 | -$180 | -12.5% |
Texas | $1,740 | $296 | 20.5% |
Utah | $1,070 | -$374 | -25.9% |
Vermont | $990 | -$454 | -31.4% |
Virginia | $866 | -$578 | -40.0% |
Washington | $1,118 | -$326 | -22.6% |
West Virginia | $1,324 | -$120 | -8.3% |
Wisconsin | $1,000 | -$444 | -30.7% |
Wyoming | $1,288 | -$156 | -10.8% |
Using high physical damage deductibles could cut rates by as much as $560 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 additional per year, depending on your age. Lexus IS 300 insurance for high-risk drivers can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Lexus IS 300 | $372 | $690 | $390 | $1,610 |
2023 Lexus IS 300 | $356 | $686 | $398 | $1,598 |
2022 Lexus IS 300 | $344 | $668 | $416 | $1,586 |
2021 Lexus IS 300 | $332 | $640 | $430 | $1,560 |
2020 Lexus IS 300 | $314 | $618 | $442 | $1,532 |
2019 Lexus IS 300 | $302 | $574 | $452 | $1,486 |
2018 Lexus IS 300 | $290 | $540 | $456 | $1,444 |
2017 Lexus IS 300 | $278 | $484 | $460 | $1,380 |
Rates are averaged for all Lexus IS 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Lexus IS 300 Insurance
Saving money on car insurance requires avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The list below is a brief recap of the primary concepts that were presented in the illustrations above.
- You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers who tend to receive serious violations pay on average $1,690 more per year for car insurance
- Increasing deductibles can save around $550 each year
- Teenagers are the costliest to insure, with premiums as much as $455 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,454 |
20 | $3,346 |
30 | $1,502 |
40 | $1,444 |
50 | $1,320 |
60 | $1,296 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,812 |
$250 | $1,642 |
$500 | $1,444 |
$1,000 | $1,256 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,444 |
50/100 | $1,535 |
100/300 | $1,649 |
250/500 | $1,946 |
100 CSL | $1,581 |
300 CSL | $1,832 |
500 CSL | $2,014 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,782 |
20 | $5,332 |
30 | $3,202 |
40 | $3,138 |
50 | $2,998 |
60 | $2,972 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $77 |
Multi-vehicle | $77 |
Homeowner | $22 |
5-yr Accident Free | $106 |
5-yr Claim Free | $94 |
Paid in Full/EFT | $66 |
Advance Quote | $72 |
Online Quote | $103 |
Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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