Lexus IS 250 4-Dr Sedan Insurance Rates

U.S. average insurance rates for a Lexus IS 250 4-Dr Sedan are $1,466 a year for full coverage insurance. Comprehensive costs on average $354 a year, collision insurance costs $666, and liability costs around $310. Just liability insurance costs as low as $370 a year, and coverage for high-risk drivers costs around $3,170. Teen drivers pay the highest rates at up to $5,234 a year.

Annual premium for full coverage: $1,466

Price estimates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lexus IS 250 Trim Level

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the effect of geographic area on car insurance rates.

These price ranges illustrate why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance rates for a Lexus IS 250 4-Dr Sedan are also quite variable based on your driving record, the model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Lexus IS 250 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $690 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $279 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates may be quite different from one company to the next.

View Chart as Image

The chart estimates Lexus IS 250 4-Dr Sedan insurance rates for various risk profiles and scenarios. The cheapest discount rate is $824. Drivers who choose higher $1,000 deductibles will pay around $1,236. The average rate for a 40-year-old male driver using $500 deductibles is $1,466. Choosing low $100 deductibles for physical damage coverage could cost up to $1,918. High risk drivers could be charged at least $3,170. The cost for full coverage insurance for a teen driver can be as high as $5,234.

View Chart as Image