Lexus IS 300 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 9, 2024

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U.S. average auto insurance rates for a Lexus IS 300 are $1,486 annually with full coverage. Comprehensive insurance costs an estimated $302, collision insurance costs $574, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $3,230 or more. Teens pay the highest rates at up to $5,580 a year.

Average premium for full coverage: $1,486

Price estimates broken down by individual coverage:

Comprehensive $302
Collision $574
Liability $452

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all IS 300 models.

Price Range from Low to High

For the average 40-year-old driver, Lexus IS 300 insurance prices range from as cheap as $504 for just liability insurance to the much higher price of $3,230 for a policy for a high-risk driver.

Liability Only $504
Full Coverage $1,486
High Risk $3,230

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,115
Small Cities $1,560
Large Cities $2,006

The ranges above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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.

More Rate Details

The chart below details average Lexus IS 300 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $847
  • Raising to $1,000 deductibles will save approximately $198 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,486
  • Selecting pricier low deductibles costs an additional $388 every year
  • At-risk drivers with serious driving violations could pay up to $3,230
  • The price with full coverage for a teen driver for full coverage can cost as much as $5,580

View Chart as Image

Lexus IS 300 insurance cost comparison chart
Column chart showing Lexus IS 300 insurance prices range from $847 to $5,580 for full coverage

Car insurance prices for a Lexus IS 300 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,800 to $2,400 extra each year, depending on your age. Lexus IS 300 insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $590 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus IS 300 insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,010 on average in New York, Michigan, and Florida.

Lexus IS 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,344 -$142 -9.6%
Alaska $1,140 -$346 -23.3%
Arizona $1,232 -$254 -17.1%
Arkansas $1,486 -$0 0.0%
California $1,692 $206 13.9%
Colorado $1,418 -$68 -4.6%
Connecticut $1,528 $42 2.8%
Delaware $1,682 $196 13.2%
Florida $1,860 $374 25.2%
Georgia $1,372 -$114 -7.7%
Hawaii $1,068 -$418 -28.1%
Idaho $1,004 -$482 -32.4%
Illinois $1,108 -$378 -25.4%
Indiana $1,118 -$368 -24.8%
Iowa $1,002 -$484 -32.6%
Kansas $1,412 -$74 -5.0%
Kentucky $2,026 $540 36.3%
Louisiana $2,200 $714 48.0%
Maine $916 -$570 -38.4%
Maryland $1,226 -$260 -17.5%
Massachusetts $1,188 -$298 -20.1%
Michigan $2,582 $1,096 73.8%
Minnesota $1,244 -$242 -16.3%
Mississippi $1,780 $294 19.8%
Missouri $1,318 -$168 -11.3%
Montana $1,594 $108 7.3%
Nebraska $1,172 -$314 -21.1%
Nevada $1,782 $296 19.9%
New Hampshire $1,072 -$414 -27.9%
New Jersey $1,662 $176 11.8%
New Mexico $1,316 -$170 -11.4%
New York $1,564 $78 5.2%
North Carolina $856 -$630 -42.4%
North Dakota $1,218 -$268 -18.0%
Ohio $1,026 -$460 -31.0%
Oklahoma $1,524 $38 2.6%
Oregon $1,362 -$124 -8.3%
Pennsylvania $1,418 -$68 -4.6%
Rhode Island $1,984 $498 33.5%
South Carolina $1,346 -$140 -9.4%
South Dakota $1,254 -$232 -15.6%
Tennessee $1,300 -$186 -12.5%
Texas $1,792 $306 20.6%
Utah $1,100 -$386 -26.0%
Vermont $1,016 -$470 -31.6%
Virginia $890 -$596 -40.1%
Washington $1,148 -$338 -22.7%
West Virginia $1,362 -$124 -8.3%
Wisconsin $1,030 -$456 -30.7%
Wyoming $1,324 -$162 -10.9%

View Chart as Image

Lexus IS 300 insurance rates by U.S. city
Lexus IS 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Lexus IS 300 $390 $718 $372 $1,638
2023 Lexus IS 300 $372 $690 $390 $1,610
2022 Lexus IS 300 $356 $686 $398 $1,598
2021 Lexus IS 300 $344 $668 $416 $1,586
2020 Lexus IS 300 $332 $640 $430 $1,560
2019 Lexus IS 300 $314 $618 $442 $1,532
2018 Lexus IS 300 $302 $574 $452 $1,486
2017 Lexus IS 300 $290 $540 $456 $1,444

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 Buy More Affordable Lexus IS 300 Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the coverage data touched on in this article.

  • You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $575 each year
  • Youthful drivers have the highest car insurance prices, costing up to $465 a month if comprehensive and collision insurance is included
  • Higher risk drivers who have multiple accidents or major violations pay on average $1,740 more annually than a low-risk driver

Rates by Driver Age

Lexus IS 300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,580
20 $3,444
30 $1,548
40 $1,486
50 $1,358
60 $1,332

Full coverage, $500 deductibles

Rates by Deductible

Lexus IS 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,874
$250 $1,694
$500 $1,486
$1,000 $1,288

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,486
50/100 $1,576
100/300 $1,689
250/500 $1,983
100 CSL $1,622
300 CSL $1,870
500 CSL $2,051

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus IS 300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,974
20 $5,490
30 $3,298
40 $3,230
50 $3,084
60 $3,058

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.

SR-22 Surcharge $211

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $69
Advance Quote $75
Online Quote $106
Total Discounts $639
Rate after discounts $847

Discounts are estimated and may not be available from every company or in every state.

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